Remember the days of near-zero interest rates in 2020? Those days are arguably long gone, with rates peaking at 5.25% in 2023. However, interest rates have been on a downward trajectory since Aug 2024, falling from a 16-year high of […]
Every year, thousands of people get stung by a hidden quirk in the UK tax system. Between £100,000 and £125,140, your effective tax rate isn't the 40% you might expect. It's actually 60%. This "60% tax trap" arises because your […]
What has kept the UK’s family farms alive over the generations? Undoubtedly, the hard work of its labourers and owners. But also, rules like Agricultural Property Relief (APR) - which have long been a cornerstone of succession planning for farming […]
"An Englishman's home is his castle" is a saying that dates back at least 400 years. As a people, we place a deep cultural value on property. It is our private sanctuary - something we own and control. No one […]
The Bank of England kept interest rates unchanged at 3.75% in February, pausing after several cuts in 2025 as inflation remains above target. Price pressures rose to 3.4% in December, but the BoE expects inflation to ease towards 2% by […]
With the end of the tax year approaching, it’s a good time to organise your finances and make sure you make the most of your tax allowances, reliefs and exemptions. Some of these allowances will be lost if you don’t […]
Your pension is likely to be a cornerstone of your retirement plan. Yet, withdrawals can trigger significant income tax bills if you’re not careful. Income tax bands have now been frozen until 2031, and more pensioners are entering higher tax […]
Cash may not be “king” when it comes to investing, but cashflow is certainly a core foundation for any sound financial strategy (especially when you are surrounded by economic uncertainty). If you don’t have a clear plan, even high earners […]
Imagine: you wake up to the news that you’ve won a life‑changing lottery jackpot. Overnight, your bank balance no longer matches the life you’ve carefully built. The odds are extremely unlikely (about 1 in 45 million for the Lotto draw), […]
Is a trust only for the “super rich”? You might think so, but they’re increasingly valuable tools for families across the income spectrum who want to protect their assets, plan for the future and provide for loved ones efficiently. Whether […]
The Bank of England cut interest rates to 3.75% in December as inflation eased to 3.2%, signalling the start of a gradual rate-cutting cycle. The FTSE 100 delivered exceptional returns, topping 9,900 and heading towards surpassing pre-Christmas records. However, retail […]
The Autumn Budget arrived on 26 November after much anticipation and speculation. Finally, with the facts in front of us, our financial planners have gathered some thoughts on what the Chancellor’s decisions could mean for your finances - especially those […]
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