Financial Advice
Are 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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