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  • Help-to-buy ISA: What’s your next option?

    • 2nd February 2022
    • Posted by: shayne
    • Category: Savings & ISAs
    No Comments

    Alternatives to make your money work harder. A few years have passed since the help-to-buy ISA closed to new applicants on 30 November 2019.  Since its launch in December 2015, the scheme offered over-16s a way to save a deposit to help take their first steps on the property ladder.  People could kick start their

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  • Year-end tax guide 2021/22

    • 28th January 2022
    • Posted by: shayne
    • Category: Year End Tax Guide
    No Comments

    How to use this guide Throughout 2021/22, COVID-19 has continued to dominate. Millions of employees and directors on payroll were furloughed, and the self-employed continued to rely on grants available via the income support schemes. Arranging your financial affairs as tax-efficiently as possible before the start of the new tax year on 6 April 2022

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  • Wealth Knowledge – January 2022

    • 12th January 2022
    • Posted by: shayne
    • Category: Wealth Knowledge
    No Comments

    One in four buy-to-let landlords plan to sell up in 2022 Almost a quarter of landlords plan to sell up over the next 12 months as buy-to-let becomes increasingly difficult to navigate, a report has claimed. Research from the National Residential Landlords Association (NRLA) found that 23% of property investors intend to dispose of an

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  • How to avoid contactless card fraud

    • 10th January 2022
    • Posted by: shayne
    • Category: News
    No Comments

    Protecting against problems in a cashless society. The UK’s shift towards becoming a cashless society is well and truly under way, according to UK Finance, which said the number of payments made using notes and coins fell by 35% in 2020. Changes in spending habits were dramatically accelerated by the COVID-19 pandemic, with 13.7 million

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  • Utilising your pension to cut inheritance tax

    • 7th January 2022
    • Posted by: shayne
    • Category: Inheritance Tax, Pension
    No Comments

    Pensions usually fall outside of your estate. Inheritance tax was thought to be ripe for reform in last year’s Autumn Budget but, as it happened, it was left untouched for another tax year.  What that means is the £325,000 nil-rate band has been in place since 2009, while the 40% standard rate of tax that

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  • Wealth Knowledge – December 2021

    • 3rd December 2021
    • Posted by: shayne
    • Category: Wealth Knowledge
    No Comments

    Equity release market on course for record-breaking year The UK’s equity release market is on track to break the £4 billion barrier as 2021 comes to a close, according to the Equity Release Council (ERC).  Homeowners reportedly took out £1.049bn in property wealth in the three months to 30 September 2021, the council said.  This

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  • Paying for further education

    • 2nd December 2021
    • Posted by: shayne
    • Category: Financial Planning
    No Comments

    Careful planning to understand the costs. Every parent wants to give their child the best start in life. Whether that’s sending them to the best nursery, the best school, or the best university, an education is a long-term investment in their future.  All of these things come at a price and the finances can often

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  • Active v passive: what’s best for you?

    • 1st December 2021
    • Posted by: shayne
    • Category: Investment
    No Comments

    Can you benefit from the best of both approaches? Whether the terms are new to you or you already hold an opinion, we will look at the respective pros and cons of active and passive fund investing, and find out if it is possible to get the best of both by taking a hybrid approach

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  • Wealth Knowledge – November 2021

    • 3rd November 2021
    • Posted by: shayne
    • Category: Wealth Knowledge
    No Comments

    Savers exposed as lifetime allowance protection wanes The number of people protecting themselves against breaching the lifetime allowance slowed in the last year.  The lifetime allowance is currently £1,073,100, and HMRC offers two schemes which allow savers to protect their pension savings from April 2016.  Individual protection shields savers’ lifetime allowances to whichever is lower

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  • The outlook for buy-to-let investments

    • 2nd November 2021
    • Posted by: shayne
    • Category: Investment, Mortgages
    No Comments

    Is now a good time to invest in buy-to-let? Purchasing an additional residential property to let out usually offers a guaranteed income and the potential for capital growth from a single investment.  But this sector has declined in popularity in recent years, following the introduction of a raft of regulatory and tax changes which has

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