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Critical factor

Protection for you and your loved ones What would life be like if you were diagnosed with a serious illness? Things could change very suddenly. You’d get your family together and tell them what was going on. Before long, you’d start spending time in hospital for treatment. You may also need to take some time off. It’s hard to know what…

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Advice matters

Life events that professional financial advice can help you navigate In the current climate, we understand that you may be feeling worried about your work, your finances and what the future holds. Research carried out by the Office for National Statistics (ONS) found that, since the outbreak of coronavirus (COVID-19), over 25 million people have experienced ‘high’ levels of anxiety[1]. Professional…

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Passing on pension benefits

Providing for your loved ones after your death If you’ve spent a lifetime saving for retirement, you’d probably like any remaining money to go to a loved one after your death. But whether pension benefits are payable to a beneficiary, and how they’ll receive them, is dependent on the type of pension you’ve chosen and how you’ve accessed it in your…

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Reduce your Inheritance Tax bill…

10 ways to protect your estate for your loved ones Even those who believe they have moderate wealth levels may still need to take action to minimise Inheritance Tax, particularly if they own property and have savings and investments. Inheritance Tax is payable in the UK on death, and sometimes when you give away certain assets during your lifetime. It can…

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Pension options

Planning your financial future, and how to get there One thing retirement is not, is an age. Not any more anyway. Gone are the days of being told to stop working one day and pick up your State Pension the next. Today you have new pension freedoms to decide when and how you retire. Pension freedoms in 2015 fundamentally changed the…

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Responsible investing

Invest today. Change tomorrow Responsible, sustainable and environmentally friendly investing is here to stay. But, while demand is growing among all age groups, genders and income bands, some savers and investors are missing their biggest opportunity for responsible investing, which is through their pension. We all want to make responsible choices as more of us are becoming aware of global challenges,…

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Tax planning reimagined

Identifying the best options to preserve your wealth No one likes to pay tax on their hard-earned money. But due to the complexities of the tax system, without expert professional financial advice, some individuals could be paying more tax than necessary. Before the end of every tax year on 5 April, you have the opportunity to save money on taxes and…

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Inflation beaters

How to ensure your money is protected from rising inflation With current interest rates on cash savings very low, it is difficult to achieve growth above the rate of inflation. And if the cost of living is rising faster than your savings are growing, you’re effectively losing money. With cash savings, a penny saved is a penny earned. But thanks to…

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ISA deadline – use it or lose it before 5th April…

Make the most of the tax breaks before it’s too late If you hold a Cash Individual Savings Account (ISA) you may be dissatisfied with the low rates of interest you receive, which could make it difficult to grow your money even at a rate that keeps pace with inflation. Stocks & Shares ISAs offer the possibility of higher returns than…

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Spring Budget – summary

Yesterday the Chancellor, Rishi Sunak, unveiled his closely-awaited Budget statement. Whilst it is fair to say that, in the immediate term, not a great deal has changed that will affect our clients it is worth noting the following key areas that will change. These include freezing the Pension Lifetime Allowance and Income & Capital Gains tax thresholds until 2026, hiking corporation…

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