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.
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…
Budget 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…
Why 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,…
Homeless 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…
IHT 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.…
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…
Does 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…
Tax 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…
IHT Planning and Pensions
IHT Planning and Pensions Until the 2024 Budget, the best available Inheritance Tax plan was the personal pension. This is because there is tax relief on contributions, the fund builds up in a tax advantaged environment and there is no IHT on death. However, Rachel Reeves in her Budget decided…
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…