How to grow your ‘dead’ money after using up your ISA allowance

On July 28, 2017

We all know that ISAs offer a tax efficient place to put our savings, even if the current rates of interest offered by many are pitifully low. You can put up to £20,000 a year into an ISA knowing that the interest you get will be completely free from tax. You also have the flexibility […]

Can you afford to be the Bank of Mum and Dad?

On July 23, 2017

With first-time buyers finding it harder than ever before to get on the property ladder, 2017 looks to be a record year for children tapping into the Bank of Mum and Dad (BoMaD) to buy a house. It’s an instinctive reaction for a parent to want to help their children, but before you start handing […]

The impact of bringing forward the state pension age rise

On July 20, 2017

Six million people this week learned they will have to wait a year longer than expected to claim their state pension. Changes to the state pension age have been in the pipeline for some time, but in a surprise announcement the Government has brought forward the rise in pension age to 68 by seven years. […]

Using a Trust to protect your wealth for your family

On July 19, 2017

We all want to keep our hard-earned cash in the family when we die. Here we explain how using a Trust can protect your wealth and ensure only the people you want it to go to actually get it. Most people want to leave something to their spouse, children or other family members but if […]

How your final salary pension scheme is protected

On July 9, 2017

If you belong to a final salary pension scheme then you should count yourself very lucky. Not only do the retirement benefits far outweigh those of defined contribution schemes (where you just build an investment pot), but firms have been dropping them like hot potatoes meaning most people no longer even have the option of […]

Innovative Finance ISA gives savers access to peer-to-peer lending revolution

On July 9, 2017

With interest rates still in the doldrums many savers have been left scratching their heads looking for a way to maximise their returns. Conventional bank accounts offer next to nothing by the way of interest and you’ll struggle to get more than 1% or so with an easy access ISA, the traditional haven for savers. […]

Would you take financial advice from a robo-adviser?

On July 9, 2017

If you’re considering financial advice and you’ve started researching your options it’s likely you’ll have stumbled across the term ‘robo-adviser’ on your online travels. It’s very much a buzzword in the financial services sector at the moment but what exactly does it mean? As much as having R2D2 on hand to advise clients at our […]

The tax implications of giving cash to children and grandchildren

On July 9, 2017

The question ‘How much money can I give to my children and grandchildren?’ is one that most parents will ask at some point. But for many, knowing what you’re allowed to give and the potential tax implications can become confusing, yet it doesn’t have to be. One of the main concerns people have is Inheritance […]

21 ways we can help transform your finances

On July 9, 2017

Over the years I’ve heard many people question whether financial advice offers value for money. Here’s a few reasons why we and our clients know it does… 1. Help you determine the rate at which you need to save at to meet your long-term needs. Value: confidence in the future. 2. Assess how much risk […]

Are your retirement savings on track?

On July 8, 2017

Couples who want to enjoy their retirement in comfort need to be squirreling away at least £131 a month from the age of 20, new research suggests. This figure rises to £198 a month from 30, £338 a month from 40 and £633 a month if you don’t start saving until you’re 50, if you […]

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