Financial Advice
Careful What You Buy
For years there has been a debate over which is better, a cheap passive tracker or a more expensive actively managed fund. In the adviser world you have advocates for both. RHL – Active Investing Here at RHL, we fall into the active camp, and the performance of our strategies has compared very favourably with…
Read MoreBudget 2026 – Where Do We Go Now?
Budget Day 2026 leaves everyone a little underwhelmed… A Budget can leave households better off on their energy bills while quietly making their savings work harder to stand still. For clients, that is the tangible tension in this year’s announcements. The opportunity is to revisit where wealth is held, how retirement income is drawn and…
Read MoreWhy is Business Relief Important for Company Owners?
Business Relief (BR) is a valuable relief from Inheritance Tax (IHT) for business owners. Reducing IHT charges is something most business owners will be considering, as successive governments continue to let fiscal drag eat away at family legacies. Proactively being aware (of BR) and planning for succession, is important. This, especially when the business owner…
Read MoreHomeless in Retirement? The country is facing a quiet crisis.
Is the country facing a quiet crisis? Can careful financial planning stop it? I saw a scary statistic came out recently. The number of households aged 55-64 who are privately renting jumped a whopping 82% in the last 18 years. That figure rises for 45-54 year olds which is up 98% and 65-74 year olds…
Read MoreIHT and My Pension – What is Going to Happen?
What is Changing? Simply put, IHT will be levied on most DC pensions from 6 April 2027. Right now, they aren’t. What is astonishing is that HMRC have not fully published their guidance on how this will work. This hasn’t stopped people making big decisions about their estates now though. Why would it. In this…
Read MoreAre We Prepared for Later Life?
Are We Ignoring the Care Elephant in the Room? It is something that forever sits in the back of our minds. The minds of not just us though, our parents, children, grandchildren, etc… Later life planning. Recent reports in 2025 (Just 2025 Care Report, Carers UK and Age UK) predict that: 80% of over 65s…
Read MoreDoes Britain Need Stabilisers?
David Cameron. Theresa May. Boris Johnson. Liz Truss. Rishi Sunak. Keir Starmer. Andy Burnham? Britain is heading for its seventh Prime Minister in the last decade. Prior to David Cameron, Britain’s previous seven Prime Ministers spanned from Ted Heath in 1970 to Gordon Brown in 2010. Forty years of, what is now looking like, stable…
Read MoreTax Me Once, Tax Me Twice
I don’t know about you but quite frankly the ever-constant changing of the tax landscape must be damaging to the country’s confidence to invest for the future. April 2027 is confirmed as one of the biggest shake ups in the way pensions are taxed for some time, arguably since George Osborne and Pension Freedoms in…
Read MoreThe value of independent financial advice
When someone deals with a financial adviser for the first time, they want to know that the adviser is acting in their best interests, that they will get the best advice and the best products available. How can the client be sure of this? There cannot be any guarantee, but their best chance is talking…
Read MoreIHT Planning and Pension Tax Free Cash
Since 2015, pensions have been the best Inheritance Tax planning tool available but, as we all know, the Chancellor is set to change that from 6th April 2027. From 6th April 2027, income tax and IHT will apply to what your beneficiaries take from your pension pot after you die. With all the potential ramifications,…
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