Is marriage the greatest tax planning strategy ever?

Many financial advisers will claim that marriage is – “The greatest tax planning strategy ever invented”. This might not seem very romantic but is it true? Inheritance Tax (IHT) is perhaps the biggest benefit. Unmarried couples can only pass assets to each other free of tax up the value of the “nil rate band” of [...]

2019-10-15T16:53:56+01:00 October 14th, 2019|News|

Lifetime Allowance. Could you be subject to the tax charge?

By Andy Pardoe, Compliance Officer at Anstee & Co.  The lifetime allowance is the overall limit of pension funds a member can build up during their lifetime before a tax charge applies. If you should go over this limit, you will pay a tax charge on the excess whenever you take income, withdraw a lump [...]

2019-09-26T10:43:09+01:00 September 23rd, 2019|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, [...]

2019-08-14T09:25:35+01:00 August 22nd, 2019|News|

Divorce – what about your finances? I can help.

By Tracey Foster, a Financial Designer at Anstee & Co. Divorce can be an extremely stressful time for individuals – I have witnessed how physically and emotionally draining the whole process can be. Is it any wonder when there are so many things to consider, some areas of the financial arrangements can be overlooked or [...]

2019-05-10T16:38:51+01:00 May 13th, 2019|News|

Should you cash in investments before Brexit?

By Anna-Louise Dearden, Editor of Muddy Stilettos, Northamptonshire. Whether it's a short or long term financial goal, saving is often a key part, but do we need to think about our cash before Brexit? Yep, Brexit. Yawn. We're all tired of hearing of it but, with the "big day" looming, there are still some personal [...]

2019-04-25T12:19:33+01:00 April 2nd, 2019|News|

Divorce: Why you need a Financial Adviser to help you?

By Rachel Efetha, Chartered Financial Planner. Anyone of a certain age will never forget that Christmas Day in 1986 where Den handed Angie divorce papers.  For a bit of nostalgia, you can watch it here. 13 years later, in 2018, 13 people filed online for a divorce on Christmas Day itself.  Then, the many people [...]

2019-02-20T10:13:37+01:00 March 11th, 2019|News|

Personal Finance Society Annual Symposium

By Rachel Efetha, Chartered Financial Planner. At the end of November, four members of the team attended the National Financial Planning Symposium in North Greenwich. Symposium /sɪmˈpəʊzɪəm/ Noun A conference or meeting to discuss a particular subject A drinking party or convivial discussion, especially as held in ancient Greece after a banquet (and notable as [...]

2018-12-18T10:14:06+01:00 December 3rd, 2018|News|

Are you nearing retirement?

Putting a retirement plan in place. If you’re in your late fifties/early sixties and starting to think about retirement, there’s certainly a lot to think about! The important thing is to first get an idea of what level of income you’ll need in retirement so that you can comfortably enjoy your well-deserved leisure time. It’s [...]

2018-11-12T15:51:06+01:00 November 19th, 2018|News|

Husband and Wife Owner Managed Businesses

By Rachel Efetha, Chartered Financial Planner. Yesterday I visited two sets of completely unrelated new clients who are both in a very similar position. Both the husbands are tradesmen and both the wives run the office for them under a limited company. Both got in touch as their businesses were ticking along nicely and they [...]

2018-10-01T12:00:37+01:00 September 27th, 2018|News|

Recent retirement case study. Financial planning.

My colleagues are often asked, "…so what do you actually do as a financial planner”? Below is a recent retirement case study which I hope will demonstrate the work and value that an independent financial planner provides. Retirement case study. New clients contacted us regarding his pensions. They were very concerned about their interest-only mortgage, [...]

2018-11-20T09:57:54+01:00 September 17th, 2018|News|