Tax Planning

Building a diverse portfolio

Time, patience and making informed decisions Making sense of today’s market headwinds and building a diverse portfolio should be key priorities for all investors. Whether you have a lump sum to invest or want to invest regularly each month, it’s important to know your money is working hard for you. Growing your wealth is not something that happens automatically. It takes time, patience and making informed decisions. Whatever your long-term wealth priorities are, planning and …

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Inheritance Tax

No longer something that only affects the very wealthy Inheritance Tax is no longer something that only affects the very wealthy, but the good news is that there are ways to limit the amount of Inheritance Tax your family may potentially face. When someone dies Inheritance Tax a tax charged on their estate above a certain value. A persons estate is basically everything they own, including their main property, any other properties, cars, boats, life …

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2018/19 Guide to Year End Tax Planning

Key tax and financial planning tips When it comes to tax, leaving important planning to the end of the tax year can cost thousands. So now is your last chance to get your tax affairs in order before the end of the 2018/19 tax year. 2018-19 Guide to Year End Tax Planning: Get your tax affairs in order Individual Savings Accounts (ISAs) are an incredibly effective means of shielding your money from both Capital Gains …

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Safeguarding your wealth for future generations

Steps to mitigate against Inheritance Tax Unforeseen life events and circumstances can potentially impact your finances in a number of ways. We can help you to safeguard your wealth for future generations. But for many of us, there can be a remarkable gap between our intentions and our actions. Inheritance Tax (IHT) affects thousands of families every year. It comes at a time of loss and mourning and can have an impact on families with …

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Tax action

Getting your tax affairs in order before 5 April This time of year is your last chance to get your tax affairs in order before the end of the 2018/19 tax year. We’ve provided a summary of some key tax and financial planning areas which may be appropriate to certain taxpayers and should be considered prior to the end of the tax year on Friday 5 April 2019. Tax planning might not sound very exciting, …

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Money’s too tight to mention

Don’t let inflation reduce the value of your investment returns Inflation can have a significant impact on our finances in a number of ways. But what exactly does it mean? And what impact could it have on our savings and investments? It’s important to understand how inflation works, as well as the effects it has on our financial planning. As the American economist Milton Friedman remarked, ‘Inflation is taxation without legislation.’ Put simply, inflation affects …

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Plan, prepare

Making new year’s tax saving resolutions At this time of year, we think about New Year’s resolutions, and it’s also a good time to start planning our tax affairs before the end of the tax year on 5 April. As you think about 2019 and your goals for the coming year, we can help to start you off on the right financial footing. It’s well worth spending some time in January to think about your …

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Avoid the mad March rush

Get a head start on your tax planning resolutions Although the current tax year does not end until 5 April 2019, tax planning shouldn’t be a mad March rush. Now is the perfect time get a head start on your tax planning resolutions to enhance your own, your family’s or your company’s tax-efficient plans for the future. We have set out some tax tips and actions that may be appropriate to certain taxpayers. Reviewing your …

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Wealth Navigator

Planning the BEST route for the next generation You have worked hard to build your wealth. Passing it on to the next generation fairly, safely, effectively and efficiently takes skill and careful preparation. But some people find the idea of discussing inheritance uncomfortable and subsequently put off estate planning until, in some instances, it may be too late to make a difference. Seeking early professional financial advice and guidance about the options to mitigate your …

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Generation still taxed

Numbers nearly double in the last two decades With so much choice on offer, and with frequent rule changes and distinct tax benefits to consider, finding the right vehicle for your retirement planning is essential. Add to this the number of taxpaying pensioners nearly doubling over the last two decades, and with talk of also requiring pensioners to pay National Insurance on any earnings or even on pensions, the older population may start thinking of …

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