Monthly Archives: April 2015

Gender disparity

Posted on April 29, 2015 by - News, Wealth Creation

Funding a post-work life will be difficult without sufficient planning

A new report has revealed a huge gender disparity when it comes to pension savings and income, indicating that funding retirement is likely to be a significant challenge for many women. (more…)

Trading places

Posted on April 29, 2015 by - Investment

It’s not just about picking investments wisely, it’s holding them in the most suitable place

Now that we’ve entered a new tax year, if you are already planning how you are going to fully utilise your current Individual Savings Account (ISA) tax-efficient allowance, it’s not just about picking investments wisely – it’s also important to make sure you hold them in the best place.
With this in mind, the Association of Investment Companies (AIC) has taken a look at investment company performance data when the full ISA limit is invested. If you had invested a lump sum of £15,000[1] into the average investment company ten years ago, you would now have £38,323.50. This is £6,433.90 more than the same investment in the FTSE All-Share, which would generate £31,889.60. (more…)

Pensions Freedom

Posted on April 29, 2015 by - Retirement

Your questions answered

Most people now have more options when it comes to their retirement choices. But generally they’ll still want their pension income to last their lifetime – so careful planning is a must. (more…)

Getting more financially savvy

Posted on April 29, 2015 by - Investment

Sorting out finances high on most people’s list

Britons are determined to become more financially savvy about their saving and spending habits this year, with three quarters (76%) of adults admitting they are prepared to moderate their lifestyle, according to a new survey by Standard Life. (more…)

Life assurance cover

Posted on April 29, 2015 by - Retirement, Wealth Creation

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. (more…)

Trust solutions

Posted on April 29, 2015 by - Retirement, Wealth Creation

Different trust solutions to managing your wealth

We can advise you on a range of different trust solutions, each designed with a particular purpose in mind. Some types of trust  are treated differently for Inheritance Tax purposes. (more…)


Posted on April 29, 2015 by - Retirement, Wealth Creation

Helping you control and protect your assets

One of the most effective ways you can manage your estate planning is through setting up a trust. The structures into which you can transfer your assets can have lasting consequences for you and your family, so it is important that you obtain professional advice, as the right structures can protect assets and give your family lasting benefits. (more…)

Dying intestate

Posted on April 29, 2015 by - Retirement, Wealth Creation

If there’s no valid Will

When you die, your estate has to be distributed one way or another. If you have a Will, your executors have to gain a Grant of Probate in England and Wales or Northern Ireland (a Grant of Confirmation in Scotland). If there’s no valid Will, or the named executors in the Will are unwilling or unable to carry out their duties, a Grant of Letters of Administration is needed. This is known as ‘dying intestate’. (more…)

A Will is the first step

Posted on April 29, 2015 by - Retirement, Wealth Creation

Sharing out your estate

Planning your finances in advance should help you ensure that when you die, everything you own goes where you want it to. Making a Will is the first step in ensuring that your estate is shared out exactly as you want it to be. (more…)