2018 proved a difficult year for investors. Volatility meant many saw the value of their investments fluctuate and it led to the majority tinkering with their long-term financial plans amid concerns. However, it’s a step that may not be right for them and could mean lower returns over the long term. During a year that […]
Inheritance Tax (IHT) is one of the most unpopular types of tax in the UK and often referred to as a ‘death tax’. With the Office of Tax Simplification (OTS) reviewing it and recommending changes, it’s the perfect opportunity to look at why and what the current rules mean for you. IHT is paid on […]
We spend much of our working lives contributing to a pension to create an income that affords a comfortable retirement with a few luxuries. But a survey suggests that many saving into a pension are worried about running out. A poll conducted by FT Adviser asked financial advisers what their clients planning for retirement two […]
When we think about improving health, it’s often the physical that springs to mind, but mental wellbeing is just as important. Luckily, it’s rising up the list of priorities for many people. Whether you’re feeling stressed about a certain area of your life or you want to be able to relax more, these tips can […]
No one wants to think about becoming seriously ill. However, it’s an approach that could be leaving millions of people open to financial insecurity if something did happen. Research has revealed that Brits are often in ‘illness denial’ believing something won’t happen to them, even if the odds aren’t in their favour. Focussing on the […]
Planning how you’ll pass your estate to loved ones can be challenging, both practically and emotionally. But taking some steps to understand how you can efficiently achieve your goals, can make them more likely to become a reality. From writing a will to discussing potential inheritance with loved ones, estate planning is a task that […]
Naming a Power of Attorney is often one of those tasks we know we should get around to but inevitably put off. The number of people registering a Power of Attorney has been rising, yet figures suggest millions could still be left in a vulnerable position should something happen to them. If you’ve yet to […]
The Bank of Mum and Dad has become essential for many first-time buyers struggling to scrape together a deposit to secure a mortgage. However, research indicates that children and grandchildren are increasingly relying on financial support for a variety of reasons. Whilst you may be keen to provide as much help as possible to loved […]
When a relationship breaks down, splitting up assets is common. From deciding who gets which pieces of furniture right through to property. However, one asset that’s commonly overlooked initially is pensions. Alongside property, pensions may be the largest asset you have. When you consider how long you’ve been paying into it and the potential employer […]
When planning for retirement, it often means bringing together different income streams to suit you; rarely is your retirement income just from your pension. You might also be considering how to use your savings and investments, for example. One way to boost income in retirement that’s growing in popularity is through using property. It’s easy […]
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