Financial Advice Blog
Welcome to the Rutherford Hughes Financial Advice blog, where we publish regular articles, videos and podcast related to Financial Advice, ESG Investing, Inheritance Tax and more.
Make sure to check back on a regular basis to see what we have added to our Financial Advice Blog.
The 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…
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IHT 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.…
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Can you reclaim IHT after stock market falls?
Most of us are aware that IHT is levied based upon the value of the estate at the date of death. Further, IHT needs to be paid before probate is granted and investments can be sold. Bearing in mind the current market volatility, those investments could be worth a lot…
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Retiring with a Pot of £250,000: Strategies for a Secure Future.
Retiring with a Pot of £250,000: Strategies for a Secure Future Retirement is one of life’s most anticipated milestones, and having a pot of £250,000 can open the door to a comfortable, independent future if managed wisely. Whether you’re nearing retirement or planning ahead, it’s crucial to understand your financial…
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What May 2025 Hold?
What May 2025 Hold? Firstly, may we wish everyone a Happy New Year. Hopefully, it will be healthy and prosperous too. What may 2025 hold? We start 2025 with ongoing geopolitical uncertainty. The war in Ukraine rumbles on and Israel continues its fight with Hamas and Hezbollah. This is as…
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Uncertain Times
Covid, Ukraine, Gaza, and the high price of the basics of food and fuel. Public service strikes and disruption to services, hospital waiting lists, illegal immigration, and the inability to find workers willing to work. A slump in stock market values and unusually a collapse in bonds at the same…
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Spring Budget 2024
The Spring Budget is looked forward to with some hope that we may feel better off after it. However, not many could claim that after the latest iteration. It was common knowledge that the Chancellor had little room for manoeuvre owing to the poor state of the public purse. Further, the cut to National Insurance and freeze on Fuel Duty were confirmed before he even stood up at the Despatch Box. Clearly, a cut to a personal tax is welcome, but it does help working pensioners as they do not pay NI anyway. That does not mean that they don’t need some help of course. It could be why they are still working. The freeze on Fuel…
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