Independent Chartered Financial Planners
22 June 2021 One of the most common questions that clients ask us is: “will I run out of money?” Many entrepreneurs and company owners work long hours in their business for years. You perhaps consider this a labour of love or your passport to a long and comfortable retirement. You might just do it […]
22 June 2021 7 in 10 adults don’t know that the government intends to increase the minimum pension age from 55 to 57. If you’re one of these people, read on to find out how this change could affect you. The normal minimum age you can currently access your pension is 55 but, in April […]
22 June 2021 The Covid pandemic has undoubtedly been a time of increased government spending. The National Audit Office have created a Covid-19 cost tracker, which claims that the government have spent an estimated £372 billion on the crisis so far. Additionally, the BBC reports that, from April 2020 to 2021, the UK government borrowed […]
28th June 2021Investing has been around for centuries and the basics haven’t changed as much as you might think. Technology has changed how we invest, but some of the investment lessons from the past are just as relevant today as they were in the 1600s. Our latest guide looks at the foundations of modern investing, […]
10th June 2021 These days, you probably insure your home, car, bike and even your mobile phone. However, despite an increase in interest during the pandemic, many people still don’t see life and health insurance as a priority. Indeed, a recent survey by insurance company Drewberry found that, in the last 12 months, more people […]
10th June 2021 The last 18 months have reminded us that unexpected events can happen at any time. From mundane issues such as your car breaking down to life-altering illness or redundancy, you’re never quite sure when you’ll be blindsided by something out of your control. One of the ways to achieve financial security is […]
10th June 2021 In the 2017/18 tax year, almost 4% of all deaths in the UK resulted in an Inheritance Tax (IHT) charge. It’s commonly considered one of the UK’s most hated taxes, with the Treasury raising £5.2 billion from the duty in the 2019/20 tax year. With good planning, it is possible to mitigate […]
7th June 2021 Since Pension Freedoms were introduced in 2015, retirees have had more choice when they access their pension. However, it also means you have more responsibility for generating an income later in life and it’s important to understand what your options are. Our latest guide explains the basics you need to know, including: […]
Since Gordon Brown introduced Individual Savings Accounts (ISAs) in 1999, they have become one of the UK’s most popular savings vehicles. The most recent figures showed that more than 11 million adults subscribed to an ISA in 2018/19, with a staggering £584 billion currently invested in the tax-free accounts. Considering that the annual subscription limit […]
In his spring Budget, the chancellor was keen to point out that, as a result of his measures, “nobody’s take-home pay will be less than it is now”. While he may have resisted the temptation to raise Income Tax, VAT, or National Insurance contributions, Rishi Sunak’s announcements will see many people pay more tax in […]