8th September 2021 Have you thought about how you’ll pass wealth on to those who are important to you? Traditionally, this has been done through inheritance, but it’s becoming more common to gift during your lifetime. Our latest guide explains why more families are choosing to gift during their lifetime and the pros and cons […]
Andrew Day
Why planning for your death is one of the best gifts you can give your loved ones
18 August 2021As strange as it may sound, planning for your death isn’t really about you. In reality, your estate planning is about your family. It’s your chance to make decisions that safeguard your wealth for your children, grandchildren, or anyone else you want to have it. It’s also an opportunity to help deal with […]
The guide to later-life planning and care
16 August 2021When you think about your future, how far ahead do you plan? Perhaps you’ve thought about what your life will look like in 10 years, but have you considered your later years? While retirement planning is common, it’s often the early years of retirement that people focus on. However, your needs and lifestyle […]
The minimum pension age will rise to 57 in 2028 – what does it all mean?
22 July 2021 7 in 10 adults don’t know that the government intends to increase the minimum pension age from 55 to 57. If you’re one of these people, read on to find out how this change could affect you. The normal minimum age you can currently access your pension is 55 but, in April […]
Guide: The history of investing and what you can learn from the past
28th June 2021Investing has been around for centuries and the basics haven’t changed as much as you might think. Technology has changed how we invest, but some of the investment lessons from the past are just as relevant today as they were in the 1600s. Our latest guide looks at the foundations of modern investing, […]
5 things Covid has taught us about having a rainy day fund
10th June 2021 The last 18 months have reminded us that unexpected events can happen at any time. From mundane issues such as your car breaking down to life-altering illness or redundancy, you’re never quite sure when you’ll be blindsided by something out of your control. One of the ways to achieve financial security is […]
Passing on property – how the residence nil-rate band can help you cut your tax bill
10th June 2021 In the 2017/18 tax year, almost 4% of all deaths in the UK resulted in an Inheritance Tax (IHT) charge. It’s commonly considered one of the UK’s most hated taxes, with the Treasury raising £5.2 billion from the duty in the 2019/20 tax year. With good planning, it is possible to mitigate […]
Guide – Your retirement choices: how to generate an income in later life
7th June 2021 Since Pension Freedoms were introduced in 2015, retirees have had more choice when they access their pension. However, it also means you have more responsibility for generating an income later in life and it’s important to understand what your options are. Our latest guide explains the basics you need to know, including: […]
Can you really become an ISA millionaire?
Since Gordon Brown introduced Individual Savings Accounts (ISAs) in 1999, they have become one of the UK’s most popular savings vehicles. The most recent figures showed that more than 11 million adults subscribed to an ISA in 2018/19, with a staggering £584 billion currently invested in the tax-free accounts. Considering that the annual subscription limit […]
5 things Line of Duty can teach you about good financial planning
Over the last couple of months, the hit BBC drama Line of Duty has become must-see appointment television. The thrilling series finale generated record viewing figures for a drama, as the AC-12 team of Steve Arnott, Kate Fleming, and Ted Hastings finally uncovered the identity of the infamous “H”. While six series of the show […]