News & Resources

Individual Savings Accounts (ISAs): the Rules, the Types

Anyone with even a passing interest in savings and/or investments should ensure that they take advantage of Individual Savings Accounts (ISAs). These are government-legislated 'wrappers' designed to protect their contents from the taxman. A look at the benefits, and an introduction to the different types. Read More

ISA (Individual Savings Account): Your Questions Answered

What is an ISA? Can I have more than one? How long do I have to wait to access equity inside my ISA, and do I pay tax on dividends or profit share from it? Can I transfer my ISA? What's the situation as far as Inheritance Tax goes? We answer these common questions. Read More

Meet LISA, the Lifetime ISA

The LISA is a remarkable savings and/or investment vehicle: you can earn 25% interest on a monthly deposit of £333 each month, on top of any interest paid over time by your LISA provider. This hybrid ISA is intended to help younger people save for their first home and their retirement at the same time. Read More

The Stocks & Shares ISA: Tax-free Investments

Of all the financial misconceptions we encounter, one of the most common is the idea that ISAs are just products. An ISA is best thought of as a renewable tax-free allowance. Many people use theirs for cash savings, but it is also possible to use an ISA to shelter a share portfolio, or collective investment funds. Read More

Junior ISAs: a Welcome Boost

Many people in a position to give their children or grandchildren a financial head start don't realise that a will is not the only way to help younger members of the family at important times in their lives. Junior ISAs provide a way to take gifts to younger family members out of any Inheritance Tax calculation. Read More

A Pension or an ISA – What’s Best for my Retirement?

For most people, the answer is 'both'. There's really no need to set pensions against ISAs as they each have their own strengths and weaknesses. We take a look at tax efficiency, opportunity for growth, ease of withdrawal of funds, and considerations with regard to inheritance. Read More

2019/20 ISA allowance – use it or lose it

Maximise your wealth creation – don’t miss the deadline Whatever you’re putting money aside for, there’s likely to be a role for Individual Saving Accounts, or ‘ISAs’ Read More

Employee well-being

There is an obvious link between a happy, healthy workforce and improved productivity. The aim should be to reduce direct healthcare costs, build and sustain high employee morale, drive effective recruitment and retention, improve productivity, and reduce the damaging trend of working whilst ill. Read More

Strategy for financial well-being

Government guidance body launches five goals A new UK-wide strategy to transform the country’s financial well-being in a decade has been launched by the Money and Pensions Service (MaPS) under its government mandate Read More

Millennial money

Social and environmental good as well as financial returns Building wealth for the future is important, but increasingly people want their investments to do more than make money Read More

Discover a clearer financial future

Professional financial advice tailored to you It’s often a common fallacy that only those that are wealthy have any need for professional financial advice Read More

Lifestyle protection

A survey of the financial health of self-employed, part-time and contract workers reveals that if an accident or illness prevented them from working, more than one in ten (11%) wouldn’t be able to last any time without using long-term savings, while 30% would run out of money in less than a month. And 48% said they couldn’t turn to friends or family for financial support, while one in ten said they would be forced to turn to credit cards or payday loans. Read More

Unlocking property wealth

An increasing number of people aged over 65 are using equity release products to pay off debts and mortgages. Many people in the UK might be ‘property rich’ but want or need more than they have saved to enjoy the lifestyle they want. And with more people living longer, there are, on average, more years to fund. Read More

Inflation matters

One of the biggest threats to the health of your investment portfolio If you’re investing – especially for major goals years away, such as retirement – you can’t afford to ignore the corrosive effect rising prices can have on the value of your assets Read More

Have you planned for the unexpected?

Buying a property is usually the biggest financial obligation many of us will take on in our lifetime, and it’s an obvious moment to pause and consider our protection needs. Nobody wants to run into financial difficulty, but homeowners should have provision to continue paying their mortgage if something happens to their main source of income. Read More

Future retirement security

More younger women opting out of pensions Young women are putting their future retirement security at risk by opting out of their workplace pension[1] Read More

Retirement savings longevity

Are you facing a pensions challenge? We all want to ensure we have sufficient funds when we retire so we can spend our time the way that we want to Read More

Retirement options

£19m released each day since pension freedoms launch In his 2015 Spring Budget, then-chancellor George Osborne introduced sweeping changes to the way that pensions are taxed Read More

Divorcees risk losing out on pensions

Dividing this asset is of vital importance to avoid pension poverty Divorce is an emotional and stressful period for those who have to go through it Read More

Planning for tomorrow

Will my retirement income be enough to live ON comfortably? The questions our clients almost always ask us are: ‘Will I be able to retire when I want to? Will I run out of money? How can I guarantee the kind of retirement I want?’ Worryingly, it’s been well documented that many Britons aren’t saving enough in their pension for their retirement Read More

No guarantee can be given that the information provided is accurate in the present or the future. It is not intended to constitute either a statement of applicable law or financial advice, and responsibility cannot be accepted for any subsequent loss following activity or inactivity by any individual or organisation. Indeed, such information should NOT be acted upon without first receiving appropriate and specific professional advice.