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Your Q4 2022 market update

17 January 2023 Last quarter, we reported a continuation of the market volatility that was prevalent throughout most of 2022.  The Russian invasion of Ukraine, attempts by central banks to handle rising inflation, and the long-lasting economic effects of the Covid-19 pandemic all took their toll on global stock markets, leading to downturns in many […]

3 practical ways to mitigate your Capital Gains Tax bill in 2023

17 January 2023 In his November 2022 autumn statement, chancellor Jeremy Hunt laid out a series of tax break squeezes that will potentially increase the amount of tax paid on some forms of unearned income. In the statement, Hunt announced that the Capital Gains Tax (CGT) annual exempt amount and Dividend Allowance will both be […]

More than half of parents have never discussed inheritance with their adult children. Have you?

17 January 2023 As you age, the chances are you have considered the unthinkable more than once.  Although it’s not helpful to dwell on morbid subjects, over the past few years you may have wondered what might happen if you were to pass away unexpectedly. You may ask yourself the question: “could my family afford […]

3 easy ways to make the most of your unearned income allowances before April2023

8 December 2022 If you have been following the UK’s financial news, you will know already that it has been an interesting year to say the least. Markets have continued to experience volatility with after-effects of the pandemic, the Ukraine war, and political U-turning all breeding uncertainty in the minds of investors.  What’s more, the […]

More than £300 billion lies in accounts earning less than 0.1% interest. Is your money working hard enough?

8 December 2022 One of the first things we are taught as young adults learning to handle our own finances is that “saving for a rainy day” is essential for stability.  This rule still rings true in today’s world – without money stored away, we can’t be prepared for the twists and turns that life […]

Our 2022 year in review

8 December 2022 As 2022 comes to an end, we thought it would be nice to look back at all the happenings of the past 12 months, and cast our gaze ahead to what 2023 may hold. This year has been challenging for everyone in financial services, and even more so for the individuals we […]

Your autumn statement update, and what it means for you

17 November 2022 It has been a tumultuous year in British politics, with three prime ministers and four chancellors holding office. After the calamitous “mini-Budget” ushered in the demise of Liz Truss and Kwasi Kwarteng, new chancellor Jeremy Hunt has delivered his first autumn statement. Hunt’s speech came at a tricky time for the UK […]

A detailed guide to how we manage your investments

17 November 2022 As you will appreciate, this year has been very busy, and the aim of this article is to report on some of the work that we have been undertaking and some of our underlying thought processes. Read on to find out how our investment committee operates, and how we take extensive action […]

Did your final salary pension really almost go bust after the mini-Budget?

17 November 2022 Back in September 2022, the former chancellor of the Exchequer, Kwasi Kwarteng, announced his autumn mini-Budget.  Speaking in parliament, Kwarteng announced a series of sweeping tax cuts and policy changes, including abolishing additional-rate tax and removing the cap on bankers’ bonuses. Following the announcement, many investors sold of UK assets for fear […]

Considering liquidating investments in the cost of living crisis? Here’s what you should know

17 November 2022 The cost of living crisis has led to a number of changes in our lives, and it isn’t over yet. Already, since December 2021, the Bank of England (BoE) has hiked the base rate eight times, bringing it to 3% in November 2022.  Despite the BoE’s efforts, inflation rose to a 41-year […]