Navigating the available options regarding ISAs can be confusing. With 6 months to go before the end of the tax year, now is a good time to look at whether you should be contributing to an ISA. Over time the ISA allowance has increased considerably, but savings rates have dropped. The Cash ISA & Stocks & Shares
Read More
Grandparents can make a real difference to their grandchildren’s futures by helping with the costs of education. With the cost of a 3-year university course topping £50k*, many students are starting work with large debts, or worse, could be put off going altogether. Grandparents need not feel concerned about handing large sums to their grandchildren
Read More
We have all had our chance to vote and have judged the benefits of an independent life outside the EU to be worth the costs of leaving it. In spite of the more emotional appeals to the contrary, this is not a disaster. The UK will certainly suffer an economic impact as businesses consider their
Read More
How has the Brexit uncertainty affected the UK market? Although the EU referendum is dominating headlines in the UK, not all stock market movements are a result of the forthcoming vote. There are also a lot of global factors affecting ours and international markets. The year started with extreme pessimism about Chinese and global growth
Read More
Pensions – no news is good news Its business as usual for pension saving as the Chancellor confirmed there will be no imminent changes to pension tax relief. The introduction of the new Lifetime ISA (LISA) saving vehicle from April 2017 adds another complementary option to the saving landscape. Other pension news Salary sacrifice is
Read More
There have been several significant changes over the last couple of years and therefore some important actions are required before the end of current tax year as well as a number of planning opportunities that will take effect from 6th April 2016. To help you plan; under the various headings below, we have listed just
Read More
By 2020/21 families could escape IHT on up to £1,000,000 of their wealth. Each parent will have a nil rate band of £325,000 plus a RNRB of up to £175,000. The new IHT Residence Nil Rate Band (RNRB) will be introduced in April 2017. It is in addition to an individual’s own nil rate band
Read MoreUt enim ad minima veniam, quis nostrum exercitationem ullam corporis suscipit laboriosam, nisi ut aliquid etx ea commodi consequatur? Quis autem vel eum iure reprehenderit qui in ea voluptate velit esse quam nihil molestiae consequatur, vel illum qui dolorem eum fugiat quo voluptas nulla pariatur
Read MoreUt enim ad minima veniam, quis nostrum exercitationem ullam corporis suscipit laboriosam, nisi ut aliquid etx ea commodi consequatur? Quis autem vel eum iure reprehenderit qui in ea voluptate velit esse quam nihil molestiae consequatur, vel illum qui dolorem eum fugiat quo voluptas nulla pariatur
Read MoreUt enim ad minima veniam, quis nostrum exercitationem ullam corporis suscipit laboriosam, nisi ut aliquid etx ea commodi consequatur? Quis autem vel eum iure reprehenderit qui in ea voluptate velit esse quam nihil molestiae consequatur, vel illum qui dolorem eum fugiat quo voluptas nulla pariatur
Read More