Christmas is over, but that doesn’t mean the gifts need to stop!
HMRC have recently conducted a review of people’s gifting behaviour and the findings are surprising. There’s lots of interesting statistics about who is giving, to whom and how much. However, for me, the most interesting section of the report was where it highlighted that people’s knowledge of some areas… Read More
The little-known ISA rule
Did you know that you can inherit ISA savings? New rules initially came into force in April 2015, and were updated in April 2018, that effectively mean ISA assets can now be passed on to spouses or civil partners and retain their tax-friendly status. Under the previous system, when someone… Read More
Adviser vs Planner
Have you ever wondered about the difference between a Financial Adviser and a Financial Planner? The job titles of Financial Adviser and Financial Planner are often thought to be one and the same. Often when I meet new people, they ask what I do. When I explain that I’m a… Read More
Spotlight on ….. Emma K
Emma K is our Business Manager and takes responsibility for the running of our office. Your role – how did that happen? I joined the company in a completely different capacity and quickly realised the role was not for me. But due to the size of the business my skills… Read More
Saying goodbye to 2019
Obviously the biggest news from 2019 was that we celebrated our 25th anniversary! We did this in style with a cider and hog roast event and we were honoured that so many of you came along to celebrate with us. We’ve gained two new members of staff, Emma B and… Read More
What we’ve been up to – November 2019
Our biggest news is that the team won ‘Best Adviser Support Team 2019’ at the International Adviser Best Practice Awards. This is a huge achievement for the team, who are understandably very proud. It’s recognition of the hard work, passion and commitment that everyone gives to provide the best possible… Read More
Adviser vs Planner
The job titles of Financial Adviser and Financial Planner are often thought to be one and the same. Often when I meet new people, they ask what I do. When I explain that I’m a Financial Planner, they might comment “Oh, I work with someone like you; so and so… Read More
Could your grandchildren help increase your pension?
Asking the grandparents to step in for childcare is, understandably, becoming increasingly popular. However, did you know that grandparents could actually benefit from it financially? Grandparents or family members who care for a child or children whilst the parents work may be eligible to claim additional National Insurance (NI) credits… Read More
Make sure your Lasting Power of Attorney will work with your investment portfolio!
A Lasting Power of Attorney (LPA) is a legal document that allows someone to make decisions for you, or act on your behalf, if you’re no longer able to or if you no longer want to make your own decisions. There are two types of LPA (property and financial affairs,… Read More
The importance of getting the expression of wish right
April 2015 saw the most radical changes to private pensions for a generation. Following the introduction of pension freedoms, there has been a dramatic change in how pension death benefits are taxed with increased flexibility to cascade pension wealth tax efficiently. Most (though not all) pensions will not form part… Read More