Lasting Power of Attorney: Will it give you peace of mind?

In this article, we will look at what a Lasting Power of Attorney is, what it does and why you should be considering drawing one up. So what is a Lasting Power of Attorney? A Lasting Power of Attorney (LPA), are legal documents that can be used to help you safeguard your financial future. A [...]

2019-03-20T15:37:49+00:00 March 28th, 2019|News|

Thinking about flying off to RIOs?

Could RIOs be a solution for borrowing into retirement? The number of mortgage companies offering “Retirement Interest Only mortgages” (RIOs) seems to be increasing month by month. Figures from the financial researchers “Moneyfacts” show that there were only five providers in July last year, but now we are up to thirty-eight. This trend is expected [...]

2019-02-27T12:22:40+00:00 March 18th, 2019|News|

Equity release could change your life for the better

What is equity release? 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 of these [...]

2019-02-20T10:09:40+00:00 March 7th, 2019|Uncategorised|

Residence Nil Rate Band. What is it?

Residence Nil Rate Band (RNRB) is an allowance for people who pass on their property to their children, grandchildren or using the legal term “lineal descendants”. It’s an allowance that can be used to reduce your Inheritance Tax (IHT) burden. At the moment the RNRB allowance stands at £125,000 per person increasing by £25,000 each [...]

2019-02-18T13:07:08+00:00 March 4th, 2019|News|

Congratulations: Exam pass for Andie Derry

Congratulations to Andie Derry, part of the client support team at our Kettering Office. Andie has passed unit 318, Principles of Business Communication. This unit counts towards the completion of a City and Guilds Level 3 Diploma for Business Administrator (3473) qualification. The qualifications aim is to develop Andie knowledge, understanding and skills across a [...]

2019-02-21T10:36:36+00:00 February 21st, 2019|News|

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 [...]

2019-01-23T16:01:41+00:00 January 10th, 2019|News|

Equity release. How could it work for you?

As a homeowner, you will be aware of the increasing value of your home. Like many other people, you may find that your property is now worth much more than the amount you originally paid. How can you release this equity? Equity release allows you to unlock money from your home. This could be in [...]

2019-01-23T15:54:06+00:00 December 13th, 2018|News|

The Budget 2018. The key points.

Now that the dust has settled here are the key points of The Budget for 2018. Chancellor Philip Hammond delivered his 2018 Budget on 29 October. He stated that his was- "a budget for hard-working people" and that "the era of austerity is finally coming to an end". 3.3 million more people in work since 2010 [...]

2018-11-12T17:08:46+00:00 November 22nd, 2018|News|

Stock Market Volatility. How best to invest.

Stock Market volatility is usually defined by big swings in either direction, which can cause the price of a security to change dramatically.  Lately, we've seen an increase in volatility but this is not an undue concern to us. Volatility can be triggered by many events and is a normal part of investing which should [...]

2018-12-27T10:12:04+00:00 November 12th, 2018|News|

Venture Capital Trust Schemes. What are they?

Should they be included in your retirement portfolio? As retirement planning becomes increasingly more complicated, holding Venture Capital Trusts (VCT’s) or Enterprise Investment Schemes (EIS’s) in your portfolio may prove beneficial. So how can they save you from paying too much tax? Venture Capital Trusts. First of all, VCTs are companies that are listed on [...]

2018-11-06T09:41:11+00:00 November 8th, 2018|News|