Financial PlanningTaxation
April 28, 2022

The Personal Tax Allowance for 2022/2023 and other key things you should know 3>

With the new tax year upon us, some aspects of taxation have changed. But as several allowances and thresholds have been frozen, the points that have not changed are even more significant. In this guide,…
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Pensions
April 21, 2022

Early retirement: how to avoid running out of money 3>

As financial planners, perhaps the most common question we receive is: “How do I keep myself from running out of money when I retire?” This is understandable. In retirement, you no longer rely on a…
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Investments
April 14, 2022

Are Heat Pumps Worth the Investment? 3>

Financial planning is about the major decisions in life – where you live, the lifestyle you provide for your family, and what your retirement will look like. Using your budget sensibly is one of the…
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Investments
April 7, 2022

What would you do with a £100k inheritance? 3>

What would you do with a £100k inheritance if it suddenly came your way? Perhaps you would want to spend it on a new car or holiday. Someone with a “saver” personality, however, might wish…
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Financial Planning
March 28, 2022

Where do cash ISAs fit in a financial plan? 3>

Should you use a cash ISA? Until 6 April 2016, there was a strong argument in favour because tax was imposed on interest generated in most UK regular savings accounts. However, at this point the…
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Financial Planning
March 22, 2022

How to account for rising inflation in 2022 3>

Inflation now stands at its highest point in 30 years – at 5.5% (in the 12 months prior to February). With the cost of living going up in multiple areas of life, many people are…
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News
March 15, 2022

How to navigate rising energy costs 3>

Since summer 2021, the cost of energy in the UK has soared. One report suggests that £38bn extra may be added to UK household bills in 2022 – equivalent to an extra 6p on the…
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Taxation
March 8, 2022

Cutting tax with salary sacrifice: a short guide 3>

The UK is currently facing its highest tax burden in almost 70 years. From April, for instance, a new Health & Social Care Levy will come into force – adding 1.25% to dividend tax and…
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InvestmentsPensions
February 21, 2022

The Lifetime Allowance: a short guide 3>

There is a limit to how much you can save into your pension(s). Yet many people are at risk of unwittingly exceeding this threshold (the “Lifetime Allowance”, or LTA) – leading to a punishing tax…
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Investments
February 14, 2022

What should I do when share prices drop? 3>

Have you ever experienced the urge to “panic sell” when the stock market goes down? It can be deeply uncomfortable to watch your investments fall 10%, 20% or more in a short space of time.…
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