Assets Generally, everything that you own.
Beneficiary A person, or organisation, to whom you leave a gift in your will.
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Tackling a potential IHT issue
Now is a great time to discuss your problem with us
The fall in the value of assets such as shares, buy-to-let properties and holiday homes to their lowest levels in years, combined with a historically low capital gains tax rate, may be prompting more and more taxpayers to give away surplus assets to minimise future inheritance tax (IHT) bills. If you are considering tackling a potential IHT issue, now is a great time to discuss this with us.
UK workers neglect to save more tax-efficiently
Don’t miss out on the extra tax relief available this year
Research from Unbiased.co.uk, has found that UK workers in company pension schemes are missing out on huge sums by neglecting to save more tax-efficiently.
Thinking of retiring soon?
Navigating through the minefield of choices
If you’re thinking of retiring soon, we can help you navigate through the minefield of choices that you are likely to face and ensure that you receive the pension and other benefits you are entitled to.
Lifestyle protection
Easing the financial pressures of a critical illness
A serious illness, such as cancer or heart attack, affects one-in-four women and one-in-five men before retirement age. Critical illness insurance is designed to ease the financial pressures by paying a tax-free lump sum if you become seriously ill or totally disabled. You must normally survive at least one month after becoming critically ill, before the policy will pay out.
Inflation matters
Protecting your finances from the return of inflation
Even though the economy has been experiencing deflationary pressures, investors should be very mindful of the return of inflation and the need to factor this into their future plans. Even though inflation may take longer to reach the government’s two per cent target, once there, it could start to rise quickly. As we know, prevention is always better than cure, so what should you be considering today to protect yourself from the return of inflation tomorrow?
Trust in your future
Investment solutions for the diverse needs of our clients
We provide solutions for the diverse needs of both our wealthy clients and those who aspire to become wealthy. We provide expertise in financial planning designed to enable our clients to structure their finances as efficiently as possible. One solution that could be very effective when used as part of a diverse investment portfolio is an investment trust.
Investing in your child’s education
Make sure that your numbers add up
School fees planning is something that requires a great deal of early thought and preparation. The earlier you start planning, the greater the potential to benefit from investment gains and the greater the choice available about how you can invest in your child’s future education. Having decided to educate your child or children independently, it is important to take appropriate advice to ensure the continuity of their education.
Safety in numbers
Reducing the risk of acquiring wealth
If you require your money to provide the potential for capital growth or income, or a combination of both, provided you are willing to accept an element of risk pooled investments could just be the solution you are looking for. A pooled investment allows you to invest in a large, professionally managed portfolio of assets with many other investors. As a result of this, the risk is reduced due to the wider spread of investments in the portfolio.
Investing offshore
With careful planning, a variety of savers could put offshore investments to good use
For the appropriate investor looking to achieve capital security, growth or income, there are a number of advantages to investing offshore, particularly with regards to utilising the tax deferral benefits. You can defer paying tax for the lifetime of the investment, so your investment rolls up without tax being deducted, but you still have to pay tax at your highest rate when you cash the investment in. As a result, with careful planning, a variety of savers could put offshore investments to good use.