In April 2015, the way we access our pensions is changing forever. In this simple guide, we take you through step-by-step exactly what the new rules mean and how they could impact your future financial planning. Just click here or on the picture to download the guide.
We’ve talked before about the importance of portfolio rebalancing to the work we do with our clients. Portfolio rebalancing helps to ensure that your investments remain appropriate to your attitude to risk and investment philosophy and they remain a key part of our ongoing service to clients. For those of you who want to know more about how and why portfolio rebalancing makes such a difference, the below guide details exactly how it can really help to maintain your investments and why it remains an important part of our service. Just click here or on the picture to download the guide.
From 1st July 2014, ISAs will be called NISAs (New ISAs).
NISAs are generous, tax-efficient accounts. They are easily accessible and widely available to UK savers and investors.
Our Guide to NISAs is produced to explain what they are, how you can use them and how you can choose the best NISA for your requirements, especially taking into account the new rules as of 1st July 2014.
You can download the guide by clicking below.
Self Invested Personal Pensions or SIPPs are a very common form of pension, with millions of people up and down the UK using them to save for their retirement. If you don’t currently have a SIPP then it’s likely that you’ll have questions about how they work and whether a SIPP might be suitable for you. Alternatively, if you are already the holder of a SIPP, it might be useful to learn a bit more about how your SIPP is currently working for your future. In our Guide to SIPPs, we’ve looked at how Self Invested Personal Pensions work, how they’ve changed over the years and how they could work for you now, if you’re looking at your options for saving for your retirement. You can download the guide simply by clicking here or on the image below.
It is a natural law of finance that the older generation of a family will normally have more money and less time to spend it than the youngest generation, who will face economic difficulties over a greater period of time.
It is natural, therefore, for many Grandparents to want to help their Grandchildren with their finances; either immediately, or with a view to helping to provide for their future.
In this guide, written specifically for those of you who are already Grandparents or who are about to become Grandparents, we explain some of the most effective ways you can help your Grandchildren. From child-friendly investments, to gifts and pension ideas, our guide will take you through a series of ideas for helping the younger members of your family get started on the way to a sound financial future!
Click here or on the image below to download the guide and get started!
George Osborne delivered the Government’s 2014 Budget in the Houses of Parliament yesterday and, to help clients understand what the likely impact might be throughout the rest of the year, we have put together the following Budget Summary.
Within the document you’ll find a recap of all of the government’s major announcements, as well as analysis covering their likely impact.
You can download the summary by clicking here, or on the image below.
Estate planning is a vital activity to carry out in order to protect the savings, investments and property you’ve worked hard to acquire during your lifetime. Failing to plan properly for how your assets should be passed on to your family can lead to hugely significant tax losses and liabilities due to Inheritance Tax.
In this guide, we discuss the 5 Major Steps you can take to mitigate Inheritance Tax and leave the proper legacy for your family to enjoy. You can download this free guide below.
Automatic Enrolment is the new scheme implemented by the government to encourage everyone in the UK to start saving for their retirements. Under the scheme, businesses must have a workplace pension scheme in place by a specified date and they must pay into it on their employees behalf, ‘automatically enrolling’ them into the scheme at outset.
Implementing an Automatic Enrolment-appropriate pension scheme can leave many firms with questions and queries about the process, and present them with a range of options they may not have previously considered.
To help with that process, we’ve produced a new guide, detailing everything you need to know about Automatic Enrolment; from when the date you’ll need to have a scheme in place might be, to what sort of contribution you’ll have to make, to what sort of scheme you might want to look at.
The guide is completely free and can be downloaded by clicking below. If you have any questions about anything you read within it, please do get in touch and we’ll be happy to help further!