KNOWLEDGE & RESOURCES

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What the new government cap on care fees will mean for you

The government recently announced a cap of £86,000 per person for long-term care fees, but this figure is misleading – we explain how the new cap works and the true costs you and loved ones will face. The quick read: From October 2023, the cost of long-term care will be capped at £86,000 per person. […]

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How to pass on your pensions and minimise tax on your estate after you die

Including your children and grandchildren in retirement planning can help the whole family. The quick read: It’s possible to pass pensions onto children or grandchildren tax efficiently. Financial advisers can decode complex rules around pensions and inheritance to minimise tax on your estate. Don’t leave inheritance considerations until old age – it’s vital to think about them as part […]

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Assessing your retirement investment risk appetite

The level of investment risk that is right for you depends on a number of factors. An adviser can assist you in evaluating your options and produce a plan to help you achieve your retirement goals. The quick read: Accepting a certain amount of risk with your investments is important, to increase the likelihood that […]

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Be tax smart to help boost your retirement savings

By using the allowances, reliefs and exemptions you’re entitled to, you can make your money work harder. The quick read: Retirement can seem a long way off when you’re in your 20s or 30s, but there are opportunities available now to make life much easier later on. Tax isn’t just about money that we lose out […]

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Use it or lose it: how tax allowances can help future-proof your finances

It’s important to make the most of tax opportunities to help achieve your goals. The quick read: The biggest life plans tend to require solid financial foundations, from saving to buy a home to raising a family. Your chances of reaching your objectives will be partly driven by the tax opportunities available, whether that’s ISA or […]

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5 things you need to know about Inheritance Tax

Inheritance Tax is complex. Here, we highlight its key exemptions and allowances – but to ensure you minimise your bill, seeking expert financial advice is a must. The quick read: Much of the tax paid on estates after death can be avoided with meticulous planning. It’s important to take maximum advantage of the exemptions, allowances, […]

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