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time in the market
Investments
July 25, 2017

Keep calm and carry on 3>

For the best part of 10 years market linked investments have provided healthy returns. It is inevitable that at some point markets will wobble and the press will be filled with dire warnings of impending…
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4
Children playing with stones near the water
Taxation
July 24, 2017

Using a Trust to Reduce Inheritance Tax 3>

Placing your property in a trust will typically mean you no longer own your property and therefore it cannot be included as part of your inheritance tax bill when you die. The property you can…
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4
Will-Property
Financial Planning
July 17, 2017

Why you Should Make a Will 3>

When you die, your will leaves clear instructions on what should happen to your money, possessions and property, known collectively as your estate. If you die without a will, this will be decided for you…
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3
Health and Life Insurance
Insurance
July 6, 2017

Types of Health and Life Insurance to Consider 3>

Permanent health insurance, or income protection, is one of the most important types of insurances you can own. Without this valuable cover you could be leaving yourself vulnerable to adverse long-term financial implications for you…
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3
Two children playing near a pond
Financial Planning
June 12, 2017

A 1970’s comeback? 3>

Not everyone will remember the 1970’s. Questionable fashion aside, is persistent higher inflation going to make an unwelcome comeback in the UK? Proposed changes to government fiscal policy along with an easing of austerity, the…
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2
Residence Nil-Rate Band
Financial Planning
June 2, 2017

What is the Residence Nil-Rate Band? 3>

In April 2017, a new inheritance tax nil-rate band of £100,000 was introduced, this covers the main residence or other qualifying property the deceased lived in when it is passed to descendants. The new residence…
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1
Guide to Retirement Tax
Taxation
May 26, 2017

A Guide to Retirement Tax 3>

Retirement brings along a lot of changes, such as changes to your routine, to your income and changes to amount of tax you have to pay. As an Independent Financial Adviser in Lincolnshire and across…
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0
Planning and Funding for Long-Term Care
Financial Planning
May 18, 2017

Planning and Funding for Long-Term Care 3>

Covering the cost of long-term care for you or a relative can be costly, especially if you have not planned for it. For this reason, it is imperative that you consider and implement a plan…
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5
Collective_Investments
Investments
May 3, 2017

A Guide to Collective Investments 3>

With a collective investment your money is pooled, along with that of other investors to create a large capital sum. Collective investments or unit trusts, investment trusts or open ended investment companies (OEICs) as they…
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3
Independent Financial Advisor in Lincoln discusses income protection - picture of coins
Pensions
April 17, 2017

Self-Employed Advised to Plan for Retirement 3>

It is the case that many self-employed workers do not have sufficient pension saving plans in place to provide an income for their retirement. While many employed workers have had the opportunity of auto-enrolment workplace…
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