Articles

Our clients rely on us being up to speed with all developments and changes that may affect them.

articles.header
  • 14
    Nov
    2018

    Minimum Wage

    The National Minimum Wage is the minimum pay per hour most workers in the UK are entitled to by law. A scale applies depending on age and whether the employee is an apprentice. Most...

    Read more »


  • 24
    Jul
    2018

    Sustainability of Income in Retirement

    With annuities being at historically low levels, and providing poor value in many cases, the majority of people use a ‘drawdown’ product to provide their income in retirement. This involves them retaining their...

    Read more »


  • 20
    Jun
    2018

    Stop The Markets – I Want To Get Off!

    Last year, any newcomers to stock market-related investments may, quite justifiably, have wondered what all the previous fuss had been about.  Global markets, with few exceptions, all delivered steady growth.  No scares, perfectly harmless,...

    Read more »


  • 4
    Apr
    2018

    Auto Enrolment - Employers Pension Schemes Increase April 2018

    Employees who are member of a company Auto Enrolment Pension Scheme will notice an increase in their contributions from April this year. There are now more than 9 million people who are members  of...

    Read more »


  • 31
    Jan
    2018

    Do we need to worry about Inflation?

    Do we need to worry about Inflation?   It doesn’t seem too long ago that one of the main economic concerns we had was deflation. In the UK this has not been a phenomenon...

    Read more »


  • 28
    Nov
    2017

    AUTUMN BUDGET

    Reprieve for pensions but lifetime allowance increase creates tax planning opportunities For clients in or approaching retirement the autumn budget offered little, but the expected rise of the pensions lifetime allowance in line with...

    Read more »


  • 14
    Aug
    2017

    The end of guarantees on drawdown?

    Aegon,  the only provider of guaranteed drawdown products in the U.K,  is in discussions with IFA's to determine whether a market still exists for such products. As the sole U.K. Provider of guaranteed...

    Read more »


  • 19
    Jun
    2017

    Best Way to Save - Pension or ISA?

      In recent years, opinion has differed and views have widened on how best to maximise tax efficiency on savings and this article looks to weigh up some of the factors in the...

    Read more »


  • 15
    May
    2017

    Active Investment v Passive – Which is Best?

    *Active Investment v Passive – Which is Best?* With a universe of literally thousands of funds currently available to UK investors from an ever-widening range of fund management groups, the process of fund...

    Read more »


  • 11
    Apr
    2017

    HMRC UPDATES - ASSETS OFFSHORE

    HMRC wish to encourage UK taxpayers to check whether their tax affairs are up to date and complete. They’re particularly concerned at present that people may not be paying the right amount of...

    Read more »


  • 21
    Mar
    2017

    Try to ignore the headline.......

    It wasn’t too long ago that an RBS Analyst and ‘expert’ was shouting “sell, sell, sell”. It was in January 2016, and every news channel and financial section reported the story. If you...

    Read more »


  • 27
    Jun
    2016

    BREXIT – Where to from here?

    Despite most financial commentators’ predictions, the unthinkable has happened.  Below is a brief overview of how we see things. Whilst Friday's outcome undoubtedly surprised markets, the scale of the initial reaction is consistent...

    Read more »


  • 19
    May
    2016

    High Earners - Pension Contribution Cut from 6th April 2016

    The government have implemented further changes to annual allowances for pension savings which came into effect in the tax year 2016/2017.  For individuals earning over £150,000 per annum, the allowance will be reduced on...

    Read more »


  • 15
    Feb
    2016

    Threat to tax relief on Pensions

    It seems that every year there is a threat to the existence of tax relief on personal contributions to pensions. In the lead up to every government budget, the financial services industry and...

    Read more »


  • 19
    Jan
    2016

    Don't Panic - it's time not timing that matters in a volatile market

    If you are a stock market investor, you have my deepest sympathies.  It has been a truly grim week, particularly for those who had made a New Year resolution to start saving. The statistics...

    Read more »


  • 9
    Dec
    2015

    Help to Buy ISA

    December saw the launch of the much heralded Help to Buy ISA announced in a budget earlier this year. Bank and Building Societies are now offering first time buyers this option which it...

    Read more »


  • 8
    Jun
    2015

    Pensions Freedoms

    When you have been giving independent financial advice for as long as I have, you find that you have to redefine your understanding of certain words.  The word 'guarantee' has a different meaning...

    Read more »


  • 26
    Jan
    2015

    Financial Conduct Authority Say Cash Savers Need Better Information

    The Financial regulator recently confirmed that around £160 billion of funds held in easy access accounts earn a rate equal or lower to current Bank of England rate of 0.5% in 2013. Research at...

    Read more »