Updates

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

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

Inheritance Tax – but perhaps not as we know it!

The Inheritance Tax (IHT) rules could be facing significant changes in the future. Following Philip Hammond’s request for a review, the Office of Tax Simplification (OTS) has recently published its report. The findings note there are many areas where IHT “is either poorly understood, counter-intuitive, requires substantial record-keeping, creates… Read More

The perceived value of advice

Ever wondered if the additional value of receiving financial advice has added to your investments? Interestingly, a survey of more than 1,000 investors in the UK by Legg Mason Global Asset Management revealed that on average, advised clients achieved returns of nearly 6.2% in 2018 from income-producing assets. This… Read More
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