New data shows consumer confidence improving but worry is still strife
Data recently released by Aviva shows that over half (55%) of UK consumers worry that they will not have enough money to provide an adequate standard of living when they retire, with 18% of consumers saying they do not hold any form of savings or long-term investment products. Almost the same proportion of consumers (49%) think they will have to work beyond the normal retirement age.
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Tax attack
Legitimate planning could save you money by reducing a potential tax bill
With tax increases the prospect for the foreseeable future, it is essential that you make the most of every available tax relief. Using the tax breaks available to you also makes good financial sense.
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Investor outlook
Tentative signs of economic growth
Tentative signs of economic growth, receding risks, plentiful nearly free liquidity and financial markets on fire – what was not to like about the investment landscape at the end of 2013? It is tempting to believe that what happened ‘yesterday’ will happen again ‘tomorrow’ (especially if momentum has been paying off, as it did in 2013). So what is the potential outlook for investors this year?
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Long-term worries for the UK
Preparing for your financial future
Britons spend more time planning their next holiday, haircut and shopping excursions than they do making preparations for their financial future, according to new research.
The countdown clock is ticking– will you be ready?
It is estimated that potentially over 360,000[1] people could be affected by the new pensions lifetime allowance (LTA) changes, according to HM Revenue & Customs (20 March 2013). If you are one of these people, you will need to act fast, and we recommend that you contact us immediately or you could miss out on the opportunity to protect yourself from an unnecessary tax charge.
Sheltering up to £11,520 tax-efficiently means taking action NOW
Time is running out if you want to make the most of this year’s Individual Savings Account (ISA) allowance, so you’ll need to get your skates on.
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Tailored investment solutions
Expert, flexible approach to accumulating and managing wealth
We provide clients with an expert, flexible approach to accumulating and managing their ealth. Understanding your financial circumstances is crucial in making sure we tailor the right investment solutions for you. Regardless of what stage of life you’re in, we can help you to protect and grow your wealth.
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The changing nature of retirement
Looking for an alternative to buying an annuity?
When you want to access your pension pot, you have several choices. The right choice for you will depend on a number of different elements, such as your tax position, whether you have a partner, your attitude to risk and even your health.
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Life assurance cover
Funding a potential Inheritance Tax liability
After taking the appropriate steps to put in place an Inheritance Tax planning strategy, if there is still the potential likelihood of a liability on your estate or if you have made gifts which have created a potential liability for the recipients if you die within seven years, we can help you review how you could fund this liability in the most efficient way.
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Trust solutions
Managing wealth
We can advise you on a range of different trust solutions, each designed with a particular purpose in mind.