Have you had too much tax deducted from your wages?
HM Revenue & Customs (HMRC) owes hundreds of millions of pounds to as many as 4.5m British taxpayers after allocating them with incorrect tax codes.
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Wealth management
Aiming to preserve your wealth and shelter it from the burden of higher taxes
Making sense of your planning objectives and finances requires even more time and effort in today’s constantly fluctuating economic environment.
Self-Invested Personal Pensions
Why astute investors are talking to us about taking control of their own investment decisions
Following the introduction of Pension Simplification legislation in 2006, Self-Invested Personal Pension Plans (SIPPs) have become more accessible to more sophisticated investors who require greater control over their pension planning and want greater access to different investment markets. They also offer excellent tax planning solutions, and in these current difficult financial markets provide for the appropriate investor the maximum amount of flexibility when planning for retirement.
Corporate bonds
Attracting investors’ for all the right reasons
Corporate bonds are a type of fixed interest security. A fixed interest security is a way of ‘lending’ money to a company in return for a fixed rate of interest over a set period. This type of investment is intended to provide you with a regular, reliable income.
Money Makeover
Tips to make your finances more financially savvy
Follow our quick guide to structuring your financial affairs more tax-efficiently.
Tip 1
If you are married or in a registered civil partnership, you could potentially increase your tax-free income by switching assets that produce income into the name of the person who has not used all of their personal tax allowance. If you are both under the age of 65, you can currently each receive up to £6,475 (2009/10) a year before income tax is payable. For the over-65s there are even higher allowances available.
The jargon of retirement
What you need to know
Additional State Pension
The earnings-related part of the State Pension built up in the State Second Pension and/or the State Earnings Related Pension Scheme (SERPS).
Making a will
The first step to ensure that your estate is shared out exactly how you want it distributed
It’s easy to put off making a will. But if you die without one your assets may be distributed according to the law rather than your wishes. This could mean that your partner receives less, or that the money goes to family members who may not need it.
Ethical money
Making ethical choices when it comes to your finances
More and more people are taking an interest in green and ethical issues according to the Investment Management Association, covering subjects as diverse as environmental improvement, climate change, genetically modified foods, gambling and the destruction of rain forests. Nowadays, you can choose to actively support or avoid these causes through everyday activities such as buying organic food, donating to particular charities or using recycled products. There are also increasing opportunities to make ethical choices when it comes to your finances.
Retirement
Will you have to work until you are almost 80 year of age?
According to research from fund management group, Fidelity International, many Britons hoping for a comfortable income at retirement could find themselves working until they are almost 80 years of age.
Corporate financial advice
Meeting the distinct and changing needs of you and your business
Did you know that we provide a comprehensive planning service designed to meet the distinct and changing needs of you and your business? We understand that having a sound financial plan is vital to the success and growth of your business, and to your own personal wealth and security.