The latest editions of our newly branded Money Matters guides are now available to download below.
Providing topical commentary on all aspects of financial planning, these guides are intended to bring a few important, topical, issues to your attention
This month they include our latest issue of Money Matters Jan/Feb, a Guide to Estate Preservation, plus informative guides on Pensions & Divorce, and Year End Tax Planning.
Welcome to our first edition of 2018.
The New Year is the perfect time
to overhaul your life for the better,
and one excellent place to start is by making
solid financial resolutions that can help get
you closer to your money goals, whether it’s
increasing your retirement provision, looking
to mitigate a potential Inheritance Tax bill or
reviewing your level of protection in the event
of an unexpected event.
Welcome to our Guide to Estate Preservation. Wealth transfer has
become an important issue for many families today. Individuals with
assets of any size should prepare for their eventual transfer whilst
making provision for any tax or legal consequences.
Breaking up is hard to do!
Divorce and pensions are very significant. A pension could be a couple’s most valuable
matrimonial asset, in some cases worth more than the equity in the family home. As such, it
is important that pensions are considered in the financial settlement if a couple decides to
divorce or dissolve their registered civil partnership. All the money you’ve saved into it (except
for your basic State Pension) will be taken into account when your assets are divided.
It’s important to take the time to give your finances a year-end check-up. The 2017/18 tax year ends on 5 April 2018, with the new tax year beginning the following day, on 6 April. These are important dates for financial planning, so it’s important you don’t miss the chance to make the
most of valuable tax-efficiencies and allowances.
Welcome to the final issue for 2017, featuring news, opinion, insights and analysis to help
you navigate the complexities of today’s
Inside this issue, we talk about estate planning,
which is an extremely emotional subject as people generally don’t like talking about money or death.
On page 10, we comment on new research that
shows some people would like to talk about this
subject but haven’t found the right time or just don’t know where to start. This is worrying considering Inheritance Tax receipts increased by 22.9% in the first quarter of this tax year, according to data from the Office for National Statistics.
Nurturing the future – investments to provide a flying start in life
Whether you’re a relative, parent, grandparent or a friend, investing for a child’s future is one of the most important things you can do. For any investor, time is a powerful ally – so where you are investing on behalf of children, you start with a great advantage.
Putting you in control of your financial future.
In our Guide to Self-Invested Personal Pensions, we look at how the retirement landscape over the past few years has fundamentally changed for the better, giving people more choice and control over their retirement income. We can help you to structure the right retirement income for your requirements and help you make the choices to meet your needs.
Wrapping up a wide range of different investments tax-efficiently.
Stock markets may be a riskier home for your savings, but higher rewards may be possible if
you plan and take a longer-term view. Over longer periods, stocks and shares tend to deliver a
superior return to cash, despite periodic bouts of volatility.
The contents of these guides are for your general information and use only and is not intended to address your particular requirements. The content should not be relied upon in its entirety and shall not be deemed to be, or constitute, advice. Although endeavours have been made to provide accurate and timely information, there can be no guarantee that such information is accurate as of the date it is received or that it will continue to be accurate in the future. No individual or company should act upon such information without receiving appropriate professional advice after a thorough examination of their particular situation. We cannot accept responsibility for any loss as a result of acts or omissions taken in respect of the content. Thresholds, percentage rates and tax legislation may change in subsequent Finance Acts. Levels and bases of, and reliefs from, taxation are subject to change, and their value depends on the individual circumstances of the investor. The value of your investments can go down as well as up, and you may get back less than you invested.