Our brand new podcast series starts with our financial review of the year. A year which has been full of twists and turns for the UK economy, with Brexit and the global pandemic causing havoc. How has this effected our clients and financial planning as a whole? …and hear what predictions we may have for 2023!

On today’s episode we’ll take a look at pensions and what you need to consider with regards to inheritance tax planning. Firstly most clients are surprised to learn that private pensions don’t die with them, it passes to nominated beneficiaries.

On today’s episode we’ll take a look at pensions. Everyone knows you need a pension and today we’ll answer some of the common questions we’re asked by clients and explore the tax advantages pensions offer.

The new tax year started on 6th April 2019 and the chancellor has been kind to most taxpayers with increases to most personal allowances.

The UK tax system varies in complexity depending on your income level, if you’re earning under £100,000 per year then your tax affairs are likely to be fairly straight forward, if you’re earning between £100,000 and £210,000 annually then your tax affairs will be very complex as many allowances are reduced or withdrawn completely and once your annual earnings are over £210,000 most allowances are gone so things are simpler but you need to look at other ways to invest for the future.

In today’s podcast we’ll be explaining what a wrapper is and its function and how it can generate a tax efficient income stream. The term wrapper covers a number of investment solutions including pensions, ISAs, general investment accounts and offshore bonds. Understanding what a wrapper is and its benefits will give you a greater understanding of your financial situation.

we’ll look at cashflow planning, to explore why it’s such an integral part of our client onboarding process and when you experience significant changes to your income throughout your life. All our recommendations stem from two factors: cashflow planning and our attitude to risk. Most financial advisors skip cashflow planning and this can have a significant impact on your current and future financial. Let’s get started…

We’re often asked what do you mean by a diversified portfolio? Well today we’ll attempt to explain exactly that in plain English and debunk the common myths. A diversified portfolio means your money is invested in a variety of different asset classes, that way if one asset class performs poorly it doesn’t have as much of a negative impact on your wealth as it would if you only invested in that poorly performing asset class. Don’t put all your eggs in one basket is a phrase that sums up a diversified portfolio perfectly.

In this episode, we are looking at the benefit of financial planning for the “individual” especially individuals who are high earners of £100,000.00 per year plus.

Whether you’re close to retirement and require help making the best of your current investments to maximise your retirement funds and income, you have cash on deposit that’s earning less than half a percent, or investments which are under-performing due to lack of management, we’re here to take an holistic view of your monetary situation to help you secure your financial future.