When you sell a valuable asset, you may have to pay Capital Gains Tax (CGT) on your profits.  One possible way of reducing, even avoiding this tax bill is to give an asset to your partner, or split it with them. By doing this, both of you are able to use your individual CGT allowance...Read More

Alternative Investments are ones that don’t fall within the traditional nomenclature of equities, bonds and cash.  Historically they have been dominated by property-based investments, which typically generate a higher income and are influenced by interest rate movements but also exhibit long term capital growth. A Diverse Asset Class This asset class has grown in recent...Read More

Many families are feeling the pinch as the price of living is going up. Rarely out of the headlines, this increase in the cost of living – called inflation – can cause real problems for the value of your money, even for those with significant savings. The Cause Historically, over the long term, inflation has...Read More

It is possible to get to over £1,000,000 in your pension pot, the key thing is to start early and spend time in the markets rather than trying to time them. Here are some ways you can enhance your pension for a comfortable retirement: Don’t Dip In You can take 25% of your pension in...Read More

Feeling that you have control of your finances is important with all the noise of modern times and media. The modern world has dished up plently of things to keep our financial minds occupied in the last few years, with not so much indication that things will be slowing down any time soon so here...Read More

The inevitable isn’t the most pleasant energy to subject your thinking to but unfortunately it needs a quick in then swiftly out of your head on occasion, especially if you have family. If you had to stop work due to illness or you passed away unexpectedly, how long would your family last paying the mortgage,...Read More

Whilst you probably aren’t keen on investing extra money presently due to market volatility and geopolitics, you can cut your tax bill as a hedge aganst rising inflation. Using Your Salary Sometimes the government lets you negate part of your wage to spend on tax free items. Things like cycling to work and schemes associated...Read More

When looking to sell your business – cashflow modelling, budgeting, and effective tax management can help to achieve your goals. Pre Sale Strategy Getting your business ready is the first thing to do. We ensure your Articles of Association are up to date, we consider health implications and that contracts for employment are in place....Read More

Your lifetime allowance is the maximum amount you can build up in pension benefits over your lifetime without incurring a tax charge. Pension drawdown above LTA is subject to a 55% charge when taken as a lump sum and 25% when taken as income. A £1million pension can seem impossible to reach but with compound...Read More

Asian markets have developed very rapidly in recent decades. Asia is often thought of as the engine for future growth globally. China was 15% of the emerging stock market in 2008, now represents over a third. Wider Asia including India  makes up 80%. Energy and materials are no longer the main sectors. Now Internet, e-commerce...Read More