The tariffs imposed by President Trump, while intended to protect U.S. industries, will eventually lead to higher costs for consumers, disrupt global supply chains, and encourage retaliatory actions by other nations.
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Plan for your financial future using cashflow modelling
As Independent Financial Advisers, some of the most frequently asked questions we are asked include:
“When can I afford to retire?”
“Am I saving enough?”
“When will my money run out..?”
The Financial Journey of Life
From birth through to mortality, the journey of life will throw you challenges to deal with – the majority being exciting challenges, but some sadly not so.
Here we detail some of the many life events and areas where you may benefit from having an independent financial adviser by your side.
Read moreMore Money In Your Pocket
Watching the Autumn budget in November, the Chancellor kept saying about putting more money into our pockets by lowering national insurance to help the economy grow…
Price is What You Pay and Value is What You Get
When it comes to investing, we often forget that completely! We get obsessed with price. But it isn’t the whole story! Let’s look at the last 23 years:
Read moreHMRC Inheritance Tax Receipts Soar – what steps can you consider?
HMRC collected £2.6bn from inheritance tax (IHT) in the 13 weeks between April and July 2023. This is higher than in the same period a year earlier
Read moreShould You Stay in the Investment Market? Exploring the Pros and Cons
Investing in the stock market can be a smart way to grow your wealth over the long term. However, it’s also important to understand the risks and potential downsides of investing.
Below, we’ll explore the advantages and disadvantages of staying in the investment market, with a particular focus on pension funds, stocks and shares ISAs, and timing the market.
Read moreBuying Your First Home
When preparing to buy your first home, saving for a deposit can be a difficult process.
As house prices, inflation, cost of living and mortgage rates increase, it can mean that some mortgage lenders may require larger deposits of the property value. This can be challenging trying to save a large sum of money and for some within a limited time.
Read moreIHT – Passing on Wealth to Beneficiaries
The Office for Budget Responsibility estimated in March that the proportion of estates liable to inheritance tax this year will be one in sixteen. By 2026-2027 that will top one in fifteen.
It is possible to leave £1m free of tax but for unmarried people the allowance is £325,000. This threshold is now frozen until April 2026. Tax on assets above the tax-free threshold, which is £325,000 per person or twice that for married couples, £650,000, is applied at 40%.
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