CHARTERED FINANCIAL PLANNERS t: 01782 712233

Useful Guides

Essential Reading

The following reports have been carefully prepared to give you a clear and concise easy to read overview of various important topics.

Business succession planning

If you are a business owner, business succession planning and insurance is important. It is simply the process of planning for what you want to happen if you (or your co-owner, if you have one) were to die or fall seriously ill.

DOWNLOAD GUIDE

You and yours – estate planning

All too often, people put off estate planning. This is understandable as, rather than preparing for the here and now, it requires you to consider what will happen when your life is over, hardly something most of us rush to contemplate. Consequently, estate planning often becomes, and all too often remains, a do-it-tomorrow task. When it could suddenly become all-important… it might be too late. After all, accidents and illness and do happen.

DOWNLOAD GUIDE

Pensions and tax planning for high earners

If you are a high-earner and feel you are paying more and more tax, you are not
alone. More than one in seven income tax payers are taxed at the higher, additional or top rate and they pay about two thirds of all income tax.

DOWNLOAD GUIDE

Living abroad – the main tax rules

While the thought of going abroad to work or retire may be exciting, the months prior to departure are likely to be highly stressful. Finding somewhere to live in your chosen country, arranging the necessary visas and booking a suitable removal firm are just some of the issues you are likely to have to deal with.

DOWNLOAD GUIDE

Saving for retirement

Retirement is something most of us look forward to − particularly on a Monday
morning. However, those thoughts are often little more than a whimsical cocktail of not having to work and prolonged holidays. The reality could be rather different, particularly if your retirement date is some way off.

DOWNLOAD GUIDE

The financial planning journey

A good financial planner should be a trusted partner who can help you achieve your financial aspirations, and protect those you care for in the event of disaster. Despite the significant value that a financial planner can add, most people don’t really know what financial planners actually do. The aim of this guide is to explain the process in general terms, and what financial planning can achieve for you. Some of the important changes to pensions and ISAs in recent years have made the need for financial planning even more crucial.

DOWNLOAD GUIDE

Taking income at retirement

There comes a time when you stop working for your money and put your money to work for you. For most people, that is retirement. The decisions you make then could have repercussions for the rest of your life, and in recent years, there have been some major changes to the retirement choices you can make with your pensions. That retirement could also turn out to last considerably longer than you think, as the table below shows.

DOWNLOAD GUIDE

Investing tax-efficiently

The way that investments are taxed has changed over recent years as successive
governments have chosen to handle various sources of investment income in different ways. The aim has typically been to increase tax revenues. One of the results of this has been to make the topic more complex.

DOWNLOAD GUIDE

Financial protection – for you and your family

Most people’s finances are like a house of cards, with their ability to earn an income acting as the bottom row. Everything else rests upon this bottom layer and, should the worst happen and your income stop, the whole house can come tumbling down. Life and health insurance protection underpins most good financial planning. These types of insurance can ensure that, if the worst should happen, the right amount of money will reach the right hands at the right time.

DOWNLOAD GUIDE

Investing for children

Most parents want to help their children financially, whether it is making sure there is enough money for their education or helping them to buy a property. An early objective may well be to help children understand the value and importance of money.

DOWNLOAD GUIDE

Investment planning and asset allocation

Investment planning is now more of a science rather than an art. Technology, ever increasing investment opportunities and stricter regulation have all encouraged a more scientific approach. But has your investment strategy kept pace?

DOWNLOAD GUIDE

Making the most of ISAs

When Individual Savings Accounts (ISAs) first appeared in 1999 as a replacement for PEPs and TESSAs, they were a relatively straightforward offering.

DOWNLOAD GUIDE

Taxation of property

Becoming a landlord is an attractive proposition for anyone who can raise a deposit, thanks to a prolonged period of low borrowing costs and generally rising property values. Whilst interest rates have finally, if slowly, started to rise, it is not surprising it is such an appealing option. There has also been a perceived lack of good alternatives, with low savings rates and restrictions on the amount that can be saved into a pension.

DOWNLOAD GUIDE