News & Blog

Mortgage advice for business owners

23rd April 2018

Congratulations, you’ve done it. You’ve finally decided to follow your dreams and start your own business. No longer subordinate to “the man”, you are the master of your own fate, the captain of your soul. There’s only one thing left to do. Find a mortgage that actually suits you. Historically it has often been difficult to obtain a mortgage as a fledgeling entrepreneur. A lack of de
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Building and contents insurance: What’s the difference?

18th April 2018

On the face of it, the difference between buildings insurance and contents insurance is fairly straightforward. Anything deemed part of a building’s structure, or its “fabric”, is covered by the former. Likewise, anything you can remove and move to another property is generally deemed contents and falls under the latter. However, imagine the scene: you walk into your house and, as you’r
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Is mortgage protection insurance necessary?

11th April 2018

Mortgage payment protection insurance (MPPI), also known as mortgage protection insurance or simply ‘mortgage insurance’, is potentially one of the most misunderstood insurance schemes out there. Many people confuse MPPI with PPI (payment protection insurance), the widely mis-sold insurance on credit cards and loans that caused a scandal in 2012. Despite this, for some people, MPPI could be a
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Guide to Lifestyle Planning

11th April 2018

Making provision for a secure future, be it for yourself, your family or your business, is one of the most important steps you will ever take. Changes in your circumstances or the effects of inflation will require you to regularly review and act upon your financial situation.
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How to buy to let: Getting a mortgage and becoming a landlord

06th April 2018

Many homeowners dream of the day that they can become a landlord. Having struggled onto the property ladder against bleak news of rising house prices and impossible deposits, the security brought about by being a landlord as well as a homeowner is certainly welcome. Not only does buying a property to let open up an additional source of income, it also puts you on track to join the ranks of the lan
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Life insurance: Do you really need it?

03rd April 2018

Do I need life insurance? It’s a question many of us have tentatively asked ourselves, unsure if we actually need insurance in our current situation. Aside from the uncertainty about whether it’s worth it, much like writing a will, the idea of life insurance is tough for us to face. Most of us don’t want to start thinking about our own mortality. While it may feel like a tough question, m
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Guide to Stock Market Turbulence

28th March 2018

The overall direction of developed stock market is a relentless and continual rise in value over the very long term, punctuated by falls. It’s important not to let global uncertainties affect your financial planning for the years ahead. Individuals who stop their investment planning, particularly during market downturns, can often miss out on opportunities to invest at lower prices.
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How mortgages work: A quick guide for first time buyers

25th March 2018

How does a mortgage work? It might sound like a silly question, but it’s a question we’re all likely to have asked ourselves at some point. Of course, you probably know that a mortgage is a loan used for buying a house that you pay off over a number of years. However, if you’re yet to take those first steps on the property ladder, you’ll likely have some questions. We’ve covered some
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Tenants and insurance: The importance of income protection cover

19th March 2018

Most mortgage-paying homeowners understand that income protection insurance is important. If you have an income and fall seriously ill to the point that you are unable to work, you need to find a way to keep up with all of your outgoings. This is what income protection and critical illness insurance policies cover – they help to ensure that you can pay your bills and will not lose your home in
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Guide to Year and Tax Planning

01st March 2018

It’s important to take the time to give your finances a year-end check-up. The 2017/18 tax year ends on 5 April 2018, with the new tax year beginning the following day, on 6 April. These are important dates for financial planning, so it’s important you don’t miss the chance to make the most of valuable tax-efficiencies and allowances.
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Is remortgaging suitable for you?

21st February 2018

Your mortgage is almost certainly one of your longest lasting and most expensive monthly outgoings. Therefore, making sure you have the best deal available to you when it comes to your mortgage can save you thousands and remortgaging may be the answer. Remortgaging is the process of taking out another mortgage on your property. You could remortgage to simply replace your current mortgage with a be
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Why writing a will is so important

15th February 2018

Writing a will is a financial responsibility far too important to ignore. Although disputes over the estates of the deceased have provided us with gripping drama for years - just look at Dickens’ Bleak House - 60% of British people have not written a will. Whether it’s because people don’t like thinking about their own mortality, or if they simply don’t feel wealthy enough to justify writi
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Guide to Estate Preservation

12th February 2018

Effective estate preservation planning could save a family a potential Inheritance Tax (IHT) bill amounting to hundreds of thousands of pounds. IHT planning has become more important than ever, following the Government’s decision to freeze the £325,000 lifetime exemption, with inflation eroding its value every year and subjecting more families to IHT.
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Is private healthcare right for you?

08th February 2018

In the UK, healthcare is free at the point of use, paid for in taxes through the National Insurance contributions of British citizens. Because of the NHS, nobody in the UK needs health insurance, otherwise known as private medical insurance. Despite this, there are a variety of private healthcare providers in the UK and plenty of people choosing the paid option when it comes to healthcare. In fact
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Why get life insurance when you’re young and healthy?

02nd February 2018

It comes as no surprise that the thought of getting life insurance rarely crosses the minds of most people under the age of 50. Whether it’s due to lack of planning or just lack of awareness, younger generations simply do not seem to consider life insurance a necessary commitment. But why? The benefits of life insurance are plain to see for those who have mortgages, children, partners or fin
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How to decide if you need a mortgage broker

28th January 2018

Before deciding on a mortgage, there are three routes you can take. You could get advice from a bank, get advice from a mortgage broker, or you could forgo all advice and do it yourself with an execution-only application. Going it alone when it comes to a mortgage is a risky option. With an execution-only application, you will need to take full responsibility for your mortgage decision and you
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IMC Guide to Pensions and Divorce

26th January 2018

Divorce and pensions are very significant. A pension could be a couple’s most valuable matrimonial asset, in some cases worth more than the equity in the family home. As such, it is important that pensions are considered in the financial settlement if a couple decides to divorce or dissolve their registered civil partnership. All the money you’ve saved into it (except for your basic State
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Shared Ownership: is it worthwhile?

24th January 2018

For many first-time buyers, home ownership can seem almost impossible. With soaring house prices, especially in the capital, more and more young people are starting to see owning a home as nothing more than a pipe dream. Because of this, the Government has introduced a number of Help to Buy schemes to aid first time home buyers. The most prominent schemes come in the form of ISAs and equity loans,
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Your guide to successful retirement planning

16th January 2018

ONS statistics suggest that people aged 65 to 79 make up the happiest age group in the UK. It’s true that many find that retirement gives them a new lease of life: more freedom to enjoy their lives unhindered by the usual worries about work and money. But achieving these feelings of freedom, confidence, and joy depends on a certain degree of successful retirement planning. In order to make the m
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Quick saving tips for first time buyers

06th January 2018

So you’ve decided to buy a house. Despite having one of the lowest home ownership rates in Europe, with 63% of people living in their own homes, the UK still places a great deal of importance on home ownership. As such, thousands of people in the UK look to buy their first home every year. In light of this, in this post we give some saving tips for first time buyers entering the world of home ow
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The pros and cons of taking a mortgage payment holiday

20th December 2017

The question of whether or not you should take a mortgage payment holiday is tricky to answer in general terms. Some see them as a helpful means of temporarily relaxing your monthly spending when you need some breathing room, whereas others see them as more trouble than they are worth. As with any matter we cover here at IMC, the exact answer largely depends on your specific circumstances and r
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IMC Guide to Self-Invested Personal Pensions

07th December 2017

In our Guide to Self-Invested Personal Pensions, we look at how the retirement landscape over the past few years has fundamentally changed for the better, giving people more choice and control over their retirement income. We can help you to structure the right retirement income for your requirements and help you make the choices to meet your needs.
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5 spending habits to cut out of your life

29th November 2017

Having full control of your personal finances isn’t just about paying off debts and keeping some savings to the side. It’s also about spending your money wisely and reining in those more extravagant purchases. Most of us are guilty of splashing out on products and services that we don’t need, incurring costs that can easily be avoided with a bit of foresight and willpower. Bad spending ha
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IMC Guide to Stocks and Shares ISAs

09th November 2017

If you’re starting to think about investing, Individual Savings Account (ISAs) could be a good place to start. For many people, one way to invest in stocks and shares is through an ISA. But there’s no substitute for professional financial advice, which is essential to ensure that an assessment of your personal circumstances and attitude to risk is made before making investment decisions. So wh
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Guide to Protecting your Financial plan

02nd November 2017

The right professional financial advice can give you the freedom to live life on your terms, and key to this is safeguarding your financial security by making sure you have adequate protection in place to care for the people and things that matter. It’s concerning to see that half (50%) of the UK’s mortgage holders have no life insurance cover in place, meaning that 8.2 million[1] people are l
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IMC Guide to Protection matters

23rd October 2017

Ensuring that you have adequate financial protection for you, your family and any dependants is an important element of financial planning. As a healthy working person with a good income, you may feel reasonably confident that you are able to provide for your family. However, your finances could be more precarious than you think. No matter what the current economic environment, adhering to a few s
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First Time Buyers: A Market Outlook

18th October 2017

Getting a foot on the property ladder is an exciting step, but it is not one that should be rushed or entered into lightly. At IMC, we have been helping first time buyers turn the key in their new home for years. Let us help you too. Our dedicated team of experts can guide you every step of the way and help you identify the best products on the market. Following the news and keeping up to da
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Investing in a Pension or Buy to Let Property?

03rd October 2017

Planning for your future is important. In fact, making a plan for later life is becoming not only prudent, but essential. With government cuts to social care, increased cost of living, rising inflation and changes to the amount paid out from the basic state pension, getting old has suddenly become very expensive. So, the question often asked is should I invest in a pension or buy an investment
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Remortgaging Rates Hit a New Low

28th September 2017

Most people looking to remortgage are trying to reduce their mortgage payments. And with interest rates currently at a record low this is certainly very likely. The mortgage market in 2017 has seen the highest number of people remortgaging since 2009, with activity in July 2017 10% higher than in 2016 as a result of these record low rates. Remortgaging strengthened in July and reached its high
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Guide to Family Succession Planning

20th September 2017

Family succession planning is a journey that should commence the day you start your business, but often only commences with a trigger – in other words, something that has initiated the decision to start the succession process. It may be one of the most challenging experiences facing any business leader, especially an entrepreneurial business person who has built a family business from scratch, s
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How Do You Plan to Repay Your Interest Only Mortgage?

14th September 2017

According to data from the Council of Mortgage Lenders, 1.9 million people in the UK currently hold an interest-only mortgage. An interest-only mortgage is one where the borrower only pays off the accrued interest in monthly instalments – rather than paying off the principal of the debt. The appeal of interest-only mortgages lies in their low monthly payments. Borrowers aren’t required to c
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How to Release Equity in Your Home

11th September 2017

If you’ve ever heard people talking about their money being ‘tied up in their house’ then you already know what equity is. Equity refers to the value of a property after deducting any mortgage /secured loans. ‘Equity release’ is the umbrella term used to denote the range of products which enable over-55s to access the cash value of their home. As with regular mortgages, a degree of
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Guide to Investing and Inflation

23rd August 2017

Rising inflation is a concern to investors, as changes in inflation and interest rates affect various asset types in different ways. This is an especially important issue for retirees living on a fixed income.
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Are 35-year Mortgages a Bad Idea?

15th August 2017

Traditionally, a typical mortgage lasts 25 years, but over the last two years more people have been taking out longer mortgages. The Bank of England revealed that during the months leading up March 2017, 15.75% of all new mortgages were for 35 years or more. First-time buyers contribute towards 25% of this statistic. What is it that makes longer-term mortgages an appealing option and what are
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Guide to Investing

14th August 2017

It’s well worth taking the time to think about what you really want from your investments. Knowing yourself, your needs and goals, and your appetite for risk is a good start.
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Buy-to-let: How to Set Up as a Company

08th August 2017

Buying property (either commercial or residential) has always been considered a rather easy and relatively safe long-term investment. With more and more people expanding their property portfolios, isn’t it time you fulfilled your Monopoly empire dreams? Purchasing a property to let out has numerous advantages. With the rental market on the increase – particularly in South West London, an ad
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State Pension Changes

02nd August 2017

The news has been awash with the recent announcement of the State Pension age rise is to be brought forward. The statement was made in the Commons by Secretary of State for Work and Pensions, David Gauke. Gauke commented that the Government had agreed to the suggested raise on the recommendations of the John Cridland CBE report. Why the change? For many years, the age of retirement was 65
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Guide to Long-Term Care

28th July 2017

Rising life expectancy brings with it the challenge of how we fund our future care costs. The question is: who is responsible for looking after us if we need care in old age?
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Essential Finance Tips for New Home Owners

25th July 2017

Successfully becoming a new home owner is certainly something to celebrate. However, owning a home is a big financial commitment and it can be disheartening to know that the monetary costs don’t stop once you have signed your mortgage contract. According to an article in The Telegraph, nearly half of all household income is spent on the running of a home, with an average annual cost of £20,0
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The 5 Most Expensive Pensions Mistakes

20th July 2017

Ensuring you have a nest egg for your retirement means your post-career days can be used for well-deserved rest and relaxation. To help you get the best out of your pensions, we’ve exposed 6 of the most expensive pensions mistakes you can make and how to avoid them. 1. Delaying starting a pension This may seem rather obvious but the sooner you start saving into a pension plan, the more
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What Does Divorce Mean for My Mortgage?

11th July 2017

According to the most recent statistics, the number of divorces in the UK has been decreasing since 2003. In 2015, there were 101,055 divorces, a 9.1% decrease compared with 2014, and a decline of 34% from a recent peak in 2003. Aside from the emotional trauma, divorce can wreak havoc on your finances. With a property mortgage being one of the most common shared investments, handling yours corr
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Get Remortgage Ready: The Great Remortgaging Checklist

05th July 2017

Whether you are looking for a better deal to save you money on your current mortgage, or the current product rate of your mortgage is coming to an end, remortgaging should be one of your options. Although the remortgaging process does require relative effort, with some impartial advice from expert financial advisors, substantial savings are achievable. Here are seven steps that will help make t
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Buy to Let Mortgages: The Benefits You Should Know

28th June 2017

Investing in property is often assumed to be a wise and safe long-term venture. It has just been announced that the Council of Mortgage Lenders has downgraded its buy-to-let lending forecasts for 2017 and 2018 due to tax and regulatory burdens in the housing and mortgage markets. As a result, the CML expects buy-to-let lending of £35bn in 2017 and £33bn in 2018. That said, buy-to-let mortgage
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Guide to Retirement Planning 2017

15th June 2017

The pension freedoms rule changes mean that we’ll be increasingly in charge of our pensions, both while we’re building up our retirement pot and when we start to draw an income. It’s therefore more important than ever to plan our retirement saving from an early age.
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Freehold vs Leasehold: The Financial Lowdown for Homebuyers

08th June 2017

One important consideration when buying a house is whether the ownerships agreement is ‘Freehold’ or ‘Leasehold’. They are two distinct forms of property ownership, affecting your rights and the cost of buying, selling and maintaining your home. Here we’ll examine what each ownership agreement entails and the many inherent financial implications, so you can make an informed decision.
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Guide to Lifetime ISA

26th May 2017

The start of the new tax year on 6 April 2017 saw the launch of the Lifetime ISA (LISA), which was announced in the 2016 Budget. This is a new type of Individual Savings Account (ISA) designed to help you save for a first home or for your retirement at the same time. To be eligible, you have to be aged between 18 and 39 years old (up until your 40th birthday).
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Guide to Brexit

15th May 2017

Brexit has created an air of uncertainty, and no one really knows what’s coming next or what it could all mean in the long term. On 29 March, Prime Minister Theresa May triggered Article 50 of the Lisbon Treaty in a letter to EU Council President Donald Tusk, starting two years of divorce proceedings.
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Moving Home Mortgages: Porting Explained

09th May 2017

The upheaval and added expenditures that moving entails makes it essential to ensure you have the right mortgage deal in place for your new home. The next course of action is to research mortgages for a better deal. If you want to keep your existing mortgage product when moving to a new home, you can transfer your existing mortgage onto the new property by the process known as porting.
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Guide to Individual Savings Accounts

27th April 2017

When it comes to creating and maintaining the right investment strategy, we can provide the professional advice, comprehensive investment solutions and ongoing service to help you achieve your financial goals whether you are looking to invest for income or growth, or both. As we approach the end of the 2016/17 tax year, have you fully utilised your annual Individual Savings Account (ISA) all
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Help to Buy Schemes Explained Infographic

27th April 2017

Looking for help with buying your home? Help To Buy is a government scheme that aims to help people buy their own home. We know these schemes can seem overwhelming and it can be hard to understand how they could work for you, so we have put our experts minds together so you can get to grips with how they can help you buy your own home in this simple infographic.
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Reasons to Remortgage

19th April 2017

You may be looking to borrow for home improvements, reduce your monthly mortgage repayments, pay off some debts or reduce your mortgage term. If any of these are applicable then you should consider remortgaging. Remortgaging is when you take out a new mortgage with a new lender on a property that you already own.   To pay for home improvements Perhaps you want to expand your property
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When to write a will?

12th April 2017

Leaving a legacy in your last will and testament is a great way to be remembered by those you care about the most. Whatever life throws at you it’s wise to plan for any possibility, and we at IMC are very enthusiastic about planning, even for the unexpected. Writing a will is the best way for you to look after your assets and see that your family, friends and loved ones are well looked after
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Guide to the new Inheritance Tax rules

10th April 2017

Although often in the news, Inheritance Tax (IHT) is still not widely understood. That’s worrying, because it affects thousands of families every year. If you thought IHT was just for extremely wealthy people to worry about, think again. The amount of IHT collected has doubled over the last five years. The Government is introducing a new IHT allowance, adding an extra tax-free amount when you ow
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How to Stay Wealthy for 3 Generations

31st March 2017

70% of wealthy families lose their wealth by the second generation, and a staggering 90% by the third, according to the Williams Group wealth consultancy. With statistics like these it’s no wonder more and more people are thinking about their financial resources for their future generations. Only a 10th of British multimillionaires have wealth that was inherited An article by The Barclays UK
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How To Choose The Right Life Insurance Policy

29th March 2017

There comes a time in most people’s lives when you start to think about what would happen to those you love if you’re not around to care, protect and provide for them. Maybe you’re reaching a milestone birthday, have new additions to the family or work in a particularly high risk industry. All of these are popular reasons for looking into life insurance. If someone close to you would s
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How to Afford a Midlife Crisis

28th March 2017

Midlife crises affect nearly 30% of the population. We are not talking about red Ferraris and 20-year-old model girlfriends, more about reaching a time of your life when you’re reflecting on your achievements and what you want to do with the rest of your life. This type of contemplation can lead to frivolous splurges, but with the right amount of foresight and financial planning you can factor t
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Inheritance Tax Needn’t Be Taxing

27th March 2017

In the past, Inheritance Tax planning used to be an activity confined to the very rich. However, growing affluence means that this is no longer the case, and with the new threshold limit set to be introduced in April 2017, it’s a great time to take stock of your Inheritance Tax, wills and your estate planning. What is Inheritance Tax? Inheritance Tax (IHT) is a tax on the property, mone
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Pension Funds Explained

24th March 2017

A pension fund is a type of investment that members who’ve signed up to the scheme pay in contributions, to build up a lump sum so that upon retirement they’ll receive an income. Pension funds are the biggest investors in the finance industry which goes to explain why decisions around what assets to buy and sell has a huge impact on the markets. Pension funds are a means to providing you wi
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Guide to Estate Preservation

23rd March 2017

You’ve worked hard all of your life to get to where you are, and providing for those you care about is important to you. However, just owning your own home and having sufficient capital to provide a reasonable income during your retirement may leave your estate with a sizeable IHT liability. If you want to have control over what happens to your assets after your death, effective estate planning
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Mortgages Made Simple Infographic

16th March 2017

With so many different deals and agreement types on the market, we know mortgages can seem extremely confusing without some comprehensive knowledge. We have spoken to our experts to break down mortgages into some easy to understand points, helping you to compare and discover which mortgage is right for your investment requirements.
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Where to Treat Your New Business Client in SW London

08th March 2017

Perhaps you’re in the throes of acquiring a new business client. You’re looking forward to the shaking of hands, the signing of contracts and the celebrations that come afterwards. But before all this you have to seal the deal and choosing the right setting for negotiations can be difficult. Here at IMC we have selected some of our favourite spots in South West London that are perfect for you
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Guide to 2016/2017 Year End Tax Planning

24th February 2017

Our 2016/17 Year End Tax Planning guide highlights some of the key tax planning opportunities for all stages and facets of life. We provide suggestions for further consideration and discussion, enabling you to arrange your taxes, investments and wider financial affairs to reduce current and future tax liabilities. Please keep in mind that everyone’s tax situation is different. Before implementi
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How to Buy a House in Your 30s

23rd February 2017

Buying a house in your 30s can seem like something of a pipe dream. Media reports of increasing house prices, high interest rates for first time buyer mortgages and lack of housing have you writing off owning a home before you’ve even looked into it. Buying property seems like something your parents and previous generations could do; to you it appears impossible. The process of buying a house ca
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What Do the Tax Changes for Buy to Let Properties Mean for You?

17th February 2017

With low interest rates and a volatile stock market, over the last few years, anyone with money to invest has been pushed towards the property market and buy-to-let has been an easy way to access that market. But changes to tax relief rules and last year’s 3% increase to stamp duty on buy-to-let properties mean that anyone considering buy-to-let should do their sums carefully, while existing
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The Essential Steps to Planning for Your Children’s Future

15th February 2017

As a parent or guardian, we all want what’s best for our children. Other than our partners, we treasure them like nobody – or nothing – else, and this means that being able to support them in their ambitions and explorations as they grow and mature, is of the upmost importance. While money is not, perhaps obviously, the only way to give your children a good life, the right financial plann
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Guide to 2017 Investment Outlook

13th February 2017

Looking ahead to this year, gradual repair of the global economy and greater political clarity in the USA should allow investors to take advantage of opportunities in 2017. However, political events could again trigger further turbulence this year, but central banks will probably continue to suppress market risk. In such an environment, market corrections can offer opportunities for appropriate in
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Guide to New Year Wealth

25th January 2017

When was the last time you wrote down your goals? More importantly, when was the last time you revisited them? A new year can be seen as a fresh start and a marker to look forward to what you want to accomplish – personally, professionally and hopefully financially. Maybe you have already thought, ‘This is the year I must start contributing more to my retirement,’ or, ‘This is the year I
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Infographic: How Will You Reach Your Long-term Financial Goals in 2017

23rd January 2017

With 2017 in full swing, we wanted to help you keep your momentum to ensure that you make this the year you start working towards your financial goals. With interest rates continuing to fall, we have rounded up our alternative tips in a handy infographic on everything from mortgages to reaching your monetary milestones. With our help you can be sure you invest wisely this year and make 2017 the
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Five Incredible Dining Experiences in South West London

18th January 2017

Hard work can, and in our opinion, should, bear fruit. Whether that fruit is your next investment property, or a romantic dinner for two at a destination fine dining restaurant, you should always make time to spoil yourself. When it comes to dining out, south west London has an attractive array of exquisite eateries. Here are some of our top selections for best restaurant in the local area. Book a
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The London Housing Market in 2017

17th January 2017

Times have been good for home owners and buy to let landlords in recent years. With the seasonal holidays out of the way, the new year brings with it a series of new opportunities and potential challenges. Buy-to-Let Those of us who own homes to let are in for an interesting year. Factors such as Brexit will likely start to impact the number of international students entering London and t
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If Money Were No Object, What Would You Buy?

11th January 2017

Now that the new year is here, it’s time to start looking ahead to the future. What sort of life are you aspiring to provide for your family and yourself? If you want something to work towards, here is some real inspiration. A home to call home London is home to a great number of premium addresses, as this article in The Telegraph pointed out. Could you aspire to own a home like this in 20
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Guide to Wealth Management

16th December 2016

Our personalised approach is designed to help us understand your wider ambitions and objectives for your wealth, whether you want to generate an income that supports your lifestyle, family and retirement plans; need help to pass your wealth on to future generations; or fund your ambitions, from personal legacies to philanthropy.
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Guide to Professional Financial Advice

07th December 2016

Few of us really have the time or inclination to understand the vast number of different investment products available on the market and consider what the best options are to suit our particular objectives. To do this effectively, it would need to become a full-time job.
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Guide to Investments Matters

24th November 2016

Anything is possible when you manage your money the right way. Whatever your goals in life are, careful planning and successful investing of your wealth can help you get there. Investments can offer both risk and return, and generally the bigger the risk the greater the potential return.
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Guide to the Lifetime Allowance

21st October 2016

The Government has introduced comprehensive reforms to the pension rules over the previous few years. One important change, which may have been overlooked by some savers, is the reduction of the Lifetime Allowance that applies to pension savings. This further reduction means that you may be affected.
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Guide to Active and Passive Investment Management

05th October 2016

If you are looking to invest in shares or bonds, you may think about putting your money into one or more managed funds. Managed funds are pooled investments that contain different securities, so you reduce the risk of holding just a few individual shares or bonds.
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Guide to Your options at Retirement

13th September 2016

Deciding what to do with your pension savings is an important step we will all have to take. Following changes introduced in April 2015, you now have more choice and flexibility than ever before over how and when you can take money from your pension pot. These changes give you freedom over how you can use your pension pot(s) if you’re 55 or over and have a pension based on how much has been paid
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Guide to Protecting you and your Estate

26th August 2016

Making sure that you’ve made plans for after you’re gone will give you peace of mind. It’s not nice to think about, but it means that your loved ones can carry out your wishes and be protected from Inheritance Tax (IHT). You don’t have to be wealthy for your estate to be liable for IHT, and t isn’t something that is paid only on death – it may also have to be paid on gifts made during
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Guide to Investment Planning

09th August 2016

Money, of course, plays an important role in our lives. While it’s not everything, it can help you achieve your goals and gives you greater choices and freedoms. That’s why it’s important to increase our financial intelligence to learn how to build greater wealth. In this Guide to Investment Planning, we consider the process of organising investments as a whole and explore the key principles
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Guide to the LISA

12th July 2016

In the March 2016 Budget, the Chancellor announced major improvements to Individual Savings Accounts (ISAs) with the introduction of a new Lifetime Individual Savings Account (LISA) from April 2017, designed to help young people save flexibly for the long term throughout their lives. The aim is to help them simultaneously save for a first home and for their retirement without having to choose one
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Guide to New Pension State

08th July 2016

The State Pension changed on 6 April 2016. If you reached State Pension age on or after that date, you’ll now receive the new State Pension under the new rules. The aim of the new State Pension is to make it simpler to understand, but there are some complicated changeover arrangements which you need to know about if you’ve already made contributions under the previous system.
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Guide to the Budget 2016

21st June 2016

Tax and savings were central to Mr Osborne’s 62-minute speech, including the unveiling of a retirement savings vehicle for millennials called the Lifetime Individual Savings Account (LISA). Ultimately, this is a testing ground for the Pensions ISA proposed before Budget 2016, and it gives the Government the option to see how consumers react to the ISA option. Mr Osborne added that people under 4
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Guide to Retirement Planning

13th June 2016

Pension freedoms have transformed the pension landscape, giving more choice than ever before in shaping retirement plans to best meet our individual needs and circumstances. Once you’ve decided to start saving for retirement, you need to choose how to do so. Pensions have a number of important advantages that will make your savings grow more rapidly than might otherwise be the case. Following th
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Guide to Wealth Preservation

02nd June 2016

Taxes, as we know, are one of the two great inevitables in life. As the UK tax system continues to grow ever more complex, and with more responsibility being placed on the individual to get their own tax right, ensuring that you receive the best professional advice to optimise your tax position is paramount. Appropriate tax planning could help you substantially reduce tax liabilities and defer tax
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Guide to Pension changes

27th May 2016

Pensions have been transformed by the arrival of freedom reforms on 6 April 2015 which now give far greater flexibility over what you can do with your pension pot. The new freedoms mean you can enjoy far greater choice on how you spend and generate an income from your pensions, but with further changes on the horizon these are some of the key changes you need to know.
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Guide to Inheritance Tax Planning

23rd May 2016

Contrary to the belief of some, Inheritance Tax not only affects the very rich, but other people may be liable without realising. Few taxes are quite as emotive – or as politicised – as Inheritance Tax. The structures into which you transfer your assets can have lasting consequences for you and your family. We can help you choose structures and trusts designed to protect your assets and give y
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Preserving your Business Assets

24th March 2016

Years of hard work and dedication have allowed your business to succeed, giving you and your family financial stability. It is natural that you would want to ensure that your loved ones are provided for in the event of your death. So what would happen if either you or your business partner were to die?
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Guide to 2015/2016 Tax Planning

26th February 2016

Tax is a highly sensitive subject for most individuals. In this guide, we consider a number of tax planning and wealth strategies. The start of a New Year is the perfect time to take stock and think about how you can improve your financial position and ultimately structure your affairs so that you don’t have to pay more tax than you legally have to, especially as we’re in the run-up to the tax
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Guide to the Spending Review and Autumn Statement 2015

10th February 2016

On Wednesday 25 November 2015, Chancellor George Osborne presented his Spending Review which set out what government spending will be over the next four years, while the Autumn Statement updated his plans for the economy. Compared to the summer Budget 2015, the Office for Budget Responsibility now forecasts higher tax receipts and lower debt interest, with a £27 billion improvement in the public
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Guide to Investing in 2016

20th January 2016

Successful long-term wealth creation requires the right balance between shares, bonds and other investments. In Guide to Investing in 2016, we consider a number of different solutions available to you, and each section explains the basic facts. There are a number of factors you should consider before deciding on what kind of approach is most suitable for you. These include the purpose of the inves
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Investing for Children

18th December 2015

Investing and saving for your children or grandchildren is a great way to give them a good financial start in life. Even small amounts can really add up if you save regularly from a child’s birth, and there are many ways to invest on behalf of a child. You need to take into account how much you can comfortably put aside, and how much you’ll need at the end of the period and if you’re saving
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Guide to Wealth Preservation

03rd December 2015

After a lifetime of hard work, you want to make sure you protect as much of your wealth as possible and pass it to those who you would like to receive it. Wealth, just like your health, must be carefully preserved, and the correct solution for you is the one that suits your personal circumstances. The subject of wealth preservation can be an emotional and complex matter. By making use of lifetime
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Guide to Retirement Planning

17th November 2015

Following the biggest reforms to pensions in recent times, whilst the ability to unlock pension funds is attractive, you need to understand the tax implications of doing this and accept the risk of ensuring that the funds built up are managed effectively to ensure that they last for life.
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Guide to Income Protection

01st November 2015

No one likes to think that something bad will happen to them, but if you couldn’t work due to a serious illness, how would you manage financially? Could you survive on savings or sick pay from work? If not, you may need some other way to keep paying the bills – and you might want to consider income protection insurance. Currently, 10.8 million UK households are at risk of their income falling
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Guide to Equity Release

16th October 2015

We all look forward to the day when we can stop or cut down on the amount of time we spend at work and all of the things we’d like to do once we’ve retired. If you’re facing a pension shortfall or need to meet an unexpected expense, equity release may be an option to consider. It allows you to unlock some of the wealth you’ve accumulated in your property without having to move. But before
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Guide to Cashflow modelling

05th October 2015

In order to develop your financial plan, you need clarity over your goals, your objectives and your motivations. Cash flow modelling illustrates what might happen to your finances in the future, and enables you to plan to ensure that you make the most of your money to achieve ...
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A Guide to Inheritance Tax

01st October 2015

The aim of this guide is to give a brief outline of UK inheritance tax (IHT) and to highlight some of the opportunities available for IHT planning. An individual's liability to IHT is primarily governed by their domicile at the time a transfer of value takes place. A person domiciled in the UK is liable to IHT on the total value of their assets wherever in the world these are situated.
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Guide to Wealth Goals

27th August 2015

Reaching wealth goals and achieving personal ambitions are major objectives of the financial planning process. In order to make plans for the future, you need to know where you are today and where you want to be in the future. Wealth goal-setting is very much like creating a business lan. You need to know a starting point and ending point, the time frame for ‘exiting’ (or reaching your goals),
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Guide to Pensions

12th August 2015

Whether you’re saving for old age, about to retire or already have, you need to give your pension some attention following the announcement of the new pension freedom reforms. Perhaps most important of all were the changes announced in the 2014 Budget, which mean many more will now be able to retire and withdraw money from their pension without buying an annuity.
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Guide to Investments

03rd August 2015

Don’t put all your eggs in the same basket’ is probably the best known proverb advising investors about the importance of portfolio diversification to spread and reduce risk. The major advantage of portfolio diversification is its ability to protect your entire portfolio from volatility associated to various asset classes.
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Guide to new Pension Freedom

30th July 2015

The Government's fagship pensions freedom policy comes into force on 6 April 2015 and will give far greater fexibility over what someone can do with their pension. The new rules should give people more confdence to save into a pension because they will retain much more control over their money. Currently, most pension schemes don't allow people to take small amounts of money at different times. Al
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Guide to Pensions Freedom

17th June 2015

The new government pensions freedom rules came into place from 6 April 2015. It’s really important to understand the changes and review your options, because from the age of 55, you can now take responsibility for the money you’ve saved and access your pension pot however you like. Most people will now have more options when it comes to their retirement choices. But generally they’ll still w
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Guide to Pension consolidation

11th June 2015

Few of us today remain in the same career throughout our working lives. The result is that many people may have a number of different pension pots from previous employers. However, combining them into one single pension could make real. If you have accumulated different pension plans, keeping your pension savings in different plan schemes may result in lost investment opportunities and unnecessary
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Inheritance Tax Planning

28th May 2015

Few taxes are quite as emotive – or as politicised – as Inheritance Tax (IHT). The structures into which you transfer your assets can have lasting consequences for you and your family. We can help you choose structures and trusts designed to protect your assets and give your family lasting benefits. Historically, IHT planning used to be an activity confined to the very rich. However, growing a
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Guide to Budget 2015

06th May 2015

Before May’s general election, the Chancellor of the Exchequer, George Osborne, announced tax cuts for first-time buyers, workers and savers, and claimed Britain was ‘walking tall again’ after five years of austerity. In our Budget 2015 Summary, we have provided information about the key announcements but primarily look at the main areas around financial planning...
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Guide to Isa's

19th March 2015

If you are keen to take advantage of the New Individual Savings Account (NISA) allowance, increased to £15,000 and make the most of your tax-efficient savings, time is running out. You only have until 5 April to fully utilise you 2014/15 NISA allowance, after which it will be lost forever. MUCH SIMPLER PRODUCT In his 2014 Budget speech, the Chancellor, George Osborne, announced that from 1 Ju
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