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Most of us assume we would be delighted to receive a substantial sum of money. It’s fun to make that mental list of extravagant purchases...

If you are an employee, you may be fortunate enough to receive a bonus, a reflection of your contribution to your employer. If you are...

Approaching your company’s year-end is a challenging time. There are the ever-present challenges of profitability, cashflow, and (getting...

From our perspective, the biggest impact on investments and financial planning relates to tax allowances and shelters available from the...

We know with near certainty that investment markets will rise and fall. What we don’t know is exactly when the rises and falls will...

Holidays – a taste of what retirement will be like? Not quite! The images used in retirement marketing often show deck chairs on sunset...

Approaching your company’s year-end is a challenging time. There are the ever-present challenges of profitability, cashflow, and (getting...

How to harvest your investments for over £30k tax free income a year. It’s harvest time in the farming calendar. Land management has...

The cost of education When I was at school, the second half of the year was often the months that was crammed full of end-of-term...

We know the tax benefits of an ISA. But what if you hold cash in it? Holding your ISAs in cash rather than stocks and shares has a...

Every year, the Adam Smith Institute calculates the number of days the ‘average’ person would have to work just to pay off their taxes in...

There is no doubt that the pandemic and subsequent economic challenges that have followed have changed the way we think about our...

The images used in retirement marketing often show deck chairs on sunset beaches, golf courses and cruises. It is often portrayed as ‘the...

The subject of inheritance is a hot topic. The Daniel Craig debate had ‘shaken’ and ‘stirred’ the topic by stating he’ll be spending or...

At the time of writing this we continue to face challenging times. As we have emerged from the pandemic, we have entered a period of...

Most of us understand the benefits of investing tax efficiently. Using the tax allowances, such as ISAs, provided by the government each...

Most of us assume we would be delighted to receive a substantial sum of money. It’s fun to make that mental list of extravagant purchases...

Are your savings and investments prepared for the reduced allowances? This tax year brought in a reduction to some existing allowances...

Changes to the pension legislation and how it can benefit you The moving sands of pension legislation have continued to evolve with the...