Asset Classes? Do I need to attend them?

When undertaking a financial planning review with our clients our financial planners often talk about different asset classes. So what do they mean? Below is a brief overview of what these asset classes do. Some asset classes are better for income while others come into their own when you are looking for capital growth. Some [...]

2022-06-28T12:16:17+01:00June 28th, 2022|News|

3 reasons why you should review your Pension Contracts

By Rachel Efetha, Chartered Financial Planner, based in Bedford, Bedfordshire. According to the insurer, LV= the UK worker will change jobs every five years on average.  Assuming you have a new pension for every job, the average 40-year-old will have accumulated five Pensions. Below are the top three reasons why you should review your existing [...]

2022-06-27T14:57:35+01:00June 27th, 2022|News|

Equity release could change your life for the better?

So, what is equity release? Firstly, equity release is designed for homeowners aged 55 and over to release money from the property they live in without having to make any regular repayments. There are two types of equity release- Lifetime Mortgages and Home Reversion Plans. Both are regulated by the Financial Conduct Authority. Using any [...]

2022-06-27T11:05:05+01:00June 27th, 2022|News|

Estate planning. What is legal and what is not.

So, what is legal and what is not when it comes to estate planning? For a long time, there was a clear distinction between tax avoidance and tax evasion. Tax avoidance, being legal and tax evasion, being illegal. Since the banking crash in 2008, the Inland Revenue has taken strong measures to discourage what it [...]

2022-05-24T16:34:44+01:00May 25th, 2022|News|

Investment Risk. What do I need to know?

So, what do you need to know about Investment Risk? As a firm of Independent Financial Advisers, we always discuss at some length your Attitude to Investment Risk and in particular, the relationship between risk and reward and time. The more risk you are prepared to accept; the greater the long-term rewards will often be, [...]

2022-05-24T16:06:31+01:00May 24th, 2022|News|

Trust. The different types and when to use them.

So, what is a Trust? A trust is a legal arrangement where you give property, investments or cash to someone else so they can look after them for the benefit of a third party. An example of this would be if you put some of your savings aside in a trust for your children. The [...]

2022-05-23T17:04:42+01:00May 24th, 2022|News|

Financial Life Planning. Do you need a plan?

So, why should you complete a Financial Life Plan and regularly review it? People do not buy pension plans because they want a pension plan! What they want is the lifestyle a pension can bring. Financial Life Planning looks at the purposes for which you want to use your money. Our Financial Designers discuss with [...]

2022-05-23T16:42:39+01:00May 23rd, 2022|News|

Tax Rates 2022/23 – free downloadable pdf.

Free downloadable tax rates for 2022/23 This free pdf download of the Tax Rates 2022/23 has all the key tax information you will need for the current tax year. If you would like help with any of your financial planning, why not contact us. Our financial advice is unbiased and independent. Click the tab below- [...]

2022-04-28T15:48:03+01:00April 28th, 2022|News|

Inheritance Tax Planning – Can it be “green”?

By Barnes Gladman, Financial Designer with Anstee & Co. Inheritance tax (IHT) is paid on the value of a person’s estate when they die. However, after a lifetime of paying taxes and making provisions for the future, a 40% charge on assets upon death can be difficult to accept. With years of house price rises, [...]

2022-05-23T11:15:39+01:00April 27th, 2022|News|