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. Whether we’re aware of it or not, all of us are on a financial planning journey and nearly all of us will want to make the most of our money where we can.


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

Financial resilience is the ability to recover quickly from an unexpected financial shock. Many of us insure our homes and cars without really thinking about it, but far fewer insure their lives and incomes. If you were unable to earn due to illness, have you thought about how you would pay your household bills?


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, began life as relatively simple savings plans in 1999, but over the past 21 years the rules surrounding them have become ever more complex.