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Your Q4 2020 investment update

14th January 2021 It’s fair to say that 2020 was a tumultuous year for investors. The coronavirus pandemic affected almost all aspects of the economy, and global share prices were hit as businesses were forced to scale back operations and, in many instances, close. Despite this, the news of effective vaccines meant that Q4 saw […]

See how we helped a client grow their fund from £56,000 to more than £1 million

14th January 2021 One of the questions we hear most often is: “what does a financial planner actually do?” These days, financial planning is about much more than selecting investments. It’s about establishing your goals, smart decision-making, creative ideas, and making the most of any tax or financial opportunities that are available. It’s all very […]

3 easy ways to get your pensions in order in 2021

14th January 2021 These days, it’s unlikely that your retirement income will simply come from a combination of one Final Salary pension and the State Pension. As workers increasingly change jobs and careers throughout their lifetimes, income in later life will probably come from a range of sources. You may enter retirement with multiple smaller […]

Revealed: The non-financial benefits of financial advice

14th December 2020 If you want to be able to live the life you want, now and in the future, working with a financial planner can be a great way to help you achieve this. And, as well as the clear financial benefits of working with a planner, research has shown that there are significant […]

With Capital Gains Tax reforms on the way, why now may be the time to act

14th December 2020 In recent months the government’s response to the pandemic has created a heavy strain on the Treasury. With the Office for Budget Responsibility confirming that government borrowing will hit £394 billion by the end of 2020, Chancellor Rishi Sunak has been under pressure to find new ways to raise additional revenue. This […]

A challenging and fulfilling year – your Depledge review of 2020

14th December 2020 Despite the obvious challenges we have all been facing in 2020, it has been an extremely busy and successful year for Depledge SWM. Read on for a review of 2020, and an update regarding what we have been up to and how things are going. Welcome to all our new clients We’re […]

Inheritance Tax and gifting guide

8th December 2020 If your estate could be liable for Inheritance Tax (IHT), gifting is one solution for passing on wealth while reducing the bill that could be appropriate for you. Our latest guide explains the basics of IHT and what you need to consider if you want to make gifting part of your long-term […]

Your 2020 Spending Review summary

25 November 2020 Chancellor Rishi Sunak has unveiled the government’s spending plans for the coming year in his Spending Review given on Wednesday 25 November. A Spending Review sets out how the government plans to spend money and what each department will receive. It covers a range of areas, like health, policing, and education. It […]

Why you need to take notice of the Lifetime Allowance

November 23, 2020 There’s no actual limit on the total pension fund you can save for your retirement. However, the Lifetime Allowance (LTA) is the effective maximum you can save without triggering any tax charges. The Labour government introduced the LTA in 2006/07. Less than a decade ago it stood at £1.8 million but, since […]

Why it’s important to regularly monitor your pension drawdown

November 23, 2020 One of the most common questions we hear is “will I run out of money in retirement?” With people living longer than ever, and more choices than ever when it comes to transitioning into retirement, your pension fund could have to last you 20, 30 or even 40 years. When it comes […]