Making a Will

Failure to take action could compromise the long-term financial security of the family If a person wants to be sure their wishes will be met after they die, then it’s important to have a Will. A Will is the only way to make sure savings and possessions forming an...

Residence nil-rate band

Owning a residence which is left to direct descendants The Inheritance Tax residence nil-rate band (RNRB) came into effect on 6 April 2017. The RNRB provides an additional nil-rate band where an individual dies on or after 6 April 2017, owning a residence which they...
Retirement roulette

Retirement roulette

Millions of older workers pin hopes on downsizing, inheritance or lottery win Older workers are finding themselves caught in a position of retirement roulette, as many are relying on external factors such as a downsizing, an inheritance or even a lottery win to be...

Investing for the future

Higher inflation and near-zero interest rates mean the responsible thing to do could be to invest rather than to save Many of us have been brought up to believe that saving is the responsible thing to do. But in today’s environment of low interest rates and rising...

ISA returns of the year

Taking control over where your money is invested tax-efficiently A new tax year is nearly upon us – and that means, for all diligent savers and investors, you should make sure that you take full advantage of your current Individual Savings Account (ISA) tax-efficient...