We have quite rightly been extolling the benefits that the new pension freedom rules will give everyone and the planning opportunities they create. Something we haven’t really talked about is the risk associated with these freedoms. I am not talking about the rather crude example of lots...

We are all aware of the excessive risk taken by the banks with our deposits, our money being used to bail them out and then that being used to pay huge bonuses for further risk taking. Combine this with the Libor rigging scandal and PPI mis-selling and you wonder what the world is coming ...

The first big milestone of the New Year is tax return time at the end of January. This is always a fraught time for any accountant as they wait on clients delivering the necessary receipts on time. From a Wealth Management point of view we usually see a focus on tax, and more accurately ...

Last week we had a look at Alternative Investment Market (AIM) ISA investments with an eye on how to incorporate it into your estate planning. As promised, we will look at another option this week. This time we address 3 of the most common tax issues we come across, namely Income Tax, Ca...

A common theme for our clients and other professionals that we speak to is what can we do to mitigate various forms of tax. With this in mind, we decided we should write about some of the options available, over the next few weeks to give you some food for thought. Inheritance Tax (IHT) ...

One of the keys to good advice is a deep understanding of the client, their goals, aspirations and ultimately their vision for the future. Establishing what our clients are trying to achieve must form the basis of any financial plan. Without objectives it is very difficult to talk about ...

Historically you may have used your pension fund to buy an annuity but as we know this is no longer compulsory. Under new rules your pension can essentially be treated like the rest of your savings and investments for planning purposes (with some tax advantages and disadvantages). For mu...