Blog
Many initially seek financial advice because they want help with something like a pension or making intelligent investment decisions. However, pensions or investments are only a means to an end which is helping you pursue your goals. An advisor cannot manage a portfolio or create a robust financial plan unless they have a holistic view
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How often do you talk about money with your partner? Issues around money can sometimes make or break a couple. Research indicates it causes a lot of struggle. According to a survey from Royal London, 62% of couples in the UK have argued about money. The most common cause is the perception that one of
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Business owners need to make sure their company does not fall foul of Business Property Relief (BPR) rules. Business Property Relief (BPR) is a valuable relief as shares in companies benefiting from it are not subject to Inheritance Tax. Where companies hold substantial amounts of cash, there is a risk of losing this relief. This
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We have updated our guide to actions that could be taken to minimise taxes here. For our clients, some of the key ones are making full use of the ISA and Pension allowances. The only thing we would advise against doing now is disturbing invested assets to make use of these allowances. An example of
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Life insurance cover is a benefit large companies often offer their staff as a perk. The problem is that for small businesses, the cost of taking out a group insurance scheme may be too expensive. Relevant life insurance is a potential solution that works out much cheaper than taking out cover personally. What is relevant
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Business Property Relief (BPR) is an Inheritance Tax (IHT) exemption applied to the assets of a private trading business when they pass from one generation to the next. Most shares in private trading companies, or interests in unincorporated businesses such as a sole proprietor, or partner, will receive 100% business relief from IHT after 2
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Events have conspired against the lowkey nature of the Chancellor’s Spring Statement. The Ukraine invasion, steep increases in the cost of living and lower than forecast borrowing led to many hoping for major announcements. Highlighting the need for domestic economic stability in a volatile geopolitical landscape, Rishi Sunak laid out the facts: Higher global energy,
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Right now, some may wonder if they can get all the rewards of investing without any of the downsides. By this, they may mean they do not want to experience market declines but still want to get a return. Can you do this? Now what I am not going to do is lie and say
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We all have heard the phrase ‘Humans are creatures of habit’. However, do habits help or hamper us when we think about money? Habits are behaviours and preferences we develop based on our views and belief systems. They are mental shortcuts or scripts that help us to navigate the world. We all have developed numerous
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It goes without saying that war is a humanitarian tragedy. We are not ignoring this, but many may worry about the impact of war on their planning and their portfolio. We will not aim to give any geopolitical or strategic commentary. That is not, and never will be, an area we specialise in. Instead, we
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