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Tax in uncertain times

Key financial changes that have affected millions of people from April Most taxpayers started to see their tax bills increase from April 2022. As we move into the new 2022/23 tax year, now is the time to review your tax affairs to ensure that you have taken advantage of all reliefs available and have considered some planning opportunities to help reduce…

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Passing on wealth to the next generation

30 million parents want to leave wealth in their Will Research[1] has highlighted how millions of Britons say they want to plan to pass on wealth to their children and grandchildren in a Will – but fewer than half have written one. Failing to plan write a Will or complete estate planning could potentially lead to a significant Inheritance Tax (commonly…

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Millions of midlifers are propping up their families

Impact on work, wealth and wellbeing putting further pressure on age group The financial decisions made by individuals as they reach retirement could have significant consequences on their finances and standards of living. Midlifers (people aged 40 to 60) are facing a challenging backdrop, with rising inflation and increasing energy bills putting further pressure on an age group that is already…

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Unlocking cash from the value of your home

Homeowners release a record-breaking £4.4bn in property wealth Despite the pandemic, 2021 saw older homeowners release a record-breaking £4.4bn in property wealth at a rate of more than £12m a day to help family members and secure their own finances by repaying debt or remortgaging existing borrowing, according to newly released data[1]. If you’re a homeowner aged 55 and over and…

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Smart money habits

Best practise, smart money habits Does the idea of looking at your bank account cause a sense of dread? Does the ping of your banking app make you question every single one of your spending choices? Taking the time to manage your money better can really pay off. Learning to budget will help you stay on top of your bills and…

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Inheritance Tax

What will your legacy look like? Intergenerational planning helps you put financial measures in place to benefit your children later in life, and even your future grandchildren, but it’s important to start planning early. You may want to keep an element of control when passing on your assets. You may want your money to be used for a particular reason, such…

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Will I be able to retire when I want to?

Financial planning and advice for the “unretired” The changes in the retirement landscape mean that many people today are having to adjust their outlook towards retirement. With more people living longer, expectations of retirement are being reshaped and there is no longer a one-size-fits-all approach to retirement planning. To different people, retirement means different things. Retirement offers the gift of time…

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How confident are you are about money?

Hopes, fears and aspirations of people approaching and in retirement People aged between 55 and 64 are now less confident about their retirement than they were a year ago, with over-55s most likely to be worried about rising prices. Many of us are unsure about what to expect when it comes to planning for the future. Study after study has indicated…

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Disrupting social plans leads to savings surge

Britons saved almost £4bn as a result of the Omicron variant New research[1] has highlighted Britons saved almost £4bn[2] as a result of the Omicron variant disrupting social plans during the festive period. The identification of the new variant and the subsequent surge in positive cases caused many to put festive plans on hold this year, resulting in 35% of people…

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Invest your way out of inflation

Why now is the time to make sure you protect your wealth The word ‘inflation’ had barely featured in the market’s vocabulary in the last three decades until it suddenly started to come back with a vengeance in 2021. As higher inflation looks set to persist in 2022, finding ways to generate a return on investments greater than inflation will be…

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