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.


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.


Pensions 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.


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.


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.


The financial planning journey

Financial planning isn’t just reserved for the especially wealthy. All of us want to make the most of our money. Whether it’s starting to save for or take retirement or investing to provide for our children’s education, financial planning can help everyone across their lives.


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.


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.


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.


Taxation of property

Becoming a landlord has been an attractive proposition for anyone who could raise a deposit, thanks to a prolonged period of low borrowing costs and generally rising property values.


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?


Making the most of ISAs

Individual Savings Accounts, universally known as ISAs, celebrated their 20th birthday on 6 April 2019. ISAs began life as relatively simple savings plans, but over the years the rules surrounding them have become ever more complex.