In the news
UK dividend growth has strengthened, supporting improved income prospects for long-term investors and diversified portfolios Investment scams are becoming more sophisticated, making vigilance and financial advice increasingly important Many savers remain in low-interest accounts, potentially reducing wealth through inflation and missed opportunities UK dividends show signs of recovery UK dividend payouts made a stronger-than-expected start […]
IHT gifting reminder: your questions answered
The inclusion of pensions in IHT calculations from 2027 is accelerating the shift towards lifetime gifting Increasingly, families are exploring how to gift with control, such as placing assets into trusts Seeking professional advice can help ensure your strategy aligns with your long-term goals Why is gifting back in the spotlight? Rising Inheritance Tax (IHT) […]
In the news
63% of UK employees are unaware of the government’s planned 2029 salary sacrifice cap, according to new research Some parents have lost up to £10,000 due to private school fee scams, with average losses of £3,200 Research reveals that one in three adults have not prepared financially for later life Salary sacrifice confusion Although two […]
Give your money intention
The key question is not ‘cash or investing?’ – it’s whether your money has intention to provide growth The recent government-backed ‘Take the next step’ campaign aims to raise awareness in how investing can support prosperity Advice can help turn uncertainty into a plan and help your money work with purpose When you work hard […]
Investors stay focused on long-term growth
Despite continued geopolitical and economic uncertainty, 30% of investors increased contributions to their portfolios in Q1 Findings suggest that many are continuing to prioritise long-term financial goals over short-term market volatility The strongest motivation for increasing investments was to build long-term wealth, said 44% of respondents UK investors remained committed to growing their wealth during […]
Financial habits stuck in the past? Life moves on – have your finances?
Research reveals that nearly a third of UK adults haven’t updated financial plans despite major life changes Over half worry they have missed opportunities to grow their wealth and 28% admit they are saving even less A summer financial reset doesn’t have to mean a complete overhaul – small updates now can strengthen your future […]
Freeze the higher rate tax burden
Research suggests 4.8 million more people will be paying higher rate tax by 2031 than in 2022 An efficient way to reduce your tax take is to increase your pension contributions with salary sacrifice It is important to get tailored advice to work out the best ways to adjust to your unique circumstances While workers were […]
Small steps to securing your financial future – it is attainable!
Average pension savings lag significantly behind comfortable retirement targets Changing pension rules and longevity trends demand proactive planning Reviewing contributions and investment strategy can reduce future shortfalls It can be easy to disengage when you see the statistics about how much you’ll need for a comfortable retirement, especially when you’re working hard and the demands […]
Passing on wealth – the essentials of IHT
Estates above £325,000 may face 40% IHT, with additional residence allowances available Lifetime gifting and trusts can reduce estate value but require careful structuring Professional advice helps navigate complex rules and avoid unintended tax liabilities Gifting and trust strategies can have tax implications and may not be suitable for everyone. The value of investments can […]
The power of participation – markets move – participation matters
Market volatility is normal and often creates long-term opportunity Holding excess cash may hinder growth for long-term objectives Diversification and discipline help manage emotional investment decisions Investors are constantly navigating changing narratives. Last year markets rebounded to reach new highs following President Trump’s spring trade announcements, despite ongoing geopolitical and economic uncertainty. More recently, the […]
