With the Budget due on 11th March and the UK having a majority Government for the first time in many years, people are starting to look at some of the anomalies in the tax system and wondering if now is a time when things may change. Whilst most people accept that paying tax is a…

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We have had a new Prime Minster for only a matter of weeks and Mr Johnson has already polarised opinion nearly as much as the topic that has been front and centre of the nation’s thoughts since David Cameron announced the Referendum back in 2016. ‘Brexit’ has become such a familiar term that it has…

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For many years investment into buy to let property has generated very good returns as the housing market has risen inexorably and this has clearly attracted many people. However, are we now beginning to see the end in sight for this type of investment? There is clearly a housing shortage and in order to help…

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The new Tax Year is upon us and we have a few allowance changes to consider, not least the continued tapering of the Residence Nil Rate Band. This was introduced in 2017, honouring a key commitment in the Tory Manifesto back in 2015 to improve the opportunity of leaving the family home to your children in your will…

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Until such time as an investment proposition is created that has all the potential performance of stock market related funds but with the downside risk of a Building Society account, we have to accept that fluctuating stock markets are part and parcel of medium to long-term investing. Whilst market downside volatility creates unease, it is…

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Pound coins

Autumn Budget 2018: Key Points for Savers & Investors Income tax Personal Allowance will be increased to £12,500 on 6 April 2019 for the 2019-2020 tax year. The threshold above which higher earners start paying 40% tax is being increased to £50,000. These allowances will remain the same for 2020/21 and then increase in line…

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Hands linked together

We work closely with our clients to help them achieve their financial objectives. We have always believed in the value of good financial advice and it is encouraging when independent research supports our opinion. The International Longevity Centre recently produced some research, they are a charitable organisation focusing on some of the biggest challenges facing…

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Young family outside house

One of the key commitments in the Tory Manifesto back in 2015 was the ability to leave the family home to your children in your will without it incurring Inheritance Tax. The Government recognised that property price increases had pulled many more people into the Inheritance Tax net than before. The aim, therefore, was to introduce…

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Coins in a budget jar

March commences and we have the traditional daffodils appearing, clocks will be going back and the final push of snow disappears as the ‘Beast from the East’ slips away. But, it seems that one of the March traditions has ceased for the time being as the Treasury have confirmed that the Spring Budget will be…

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