Pension booster

Setting goals for retirement

Those who set tangible goals for the future could be £30,000 better off in retirement, according to new research.

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Getting your affairs in order

What you have and what you want to happen to it

Everyone should have a Will, but it is even more important if you have children, you own property, you have savings, investments or insurance policies, or you own a business.

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Don’t miss the ISA deadline

Time to take control over where your money is invested tax-efficiently

Each tax year, we are each given an annual Individual Savings Account (ISA) allowance. The ISA limit for 2016/17 is £15,240, rising to £20,000 in 2017/18. Anyone wishing to utilise their allowance should do so before the deadline at midnight on Wednesday 5 April 2017. The date marks the end of the 2016/17 tax year. It is a ‘use it or lose it’ allowance, meaning that if you don’t use all or part of it in one tax year, you cannot take that allowance over to the next year.

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Millions change retirement plans post–EU vote

Turbulence in the economy has left many feeling confused

The UK’s decision to leave the EU has left over two million[1] people planning to change their retirement plans.

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Looking to the future

Cost of essentials is the most common perceived threat to over-55s

While the rising cost of essentials is the most common perceived threat to over-55s’ standard of living over the next five years, concerns over falling returns on savings have risen to the highest point in almost three years, Aviva’s latest Real Retirement Report reveals.

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Safeguarding wealth for future generations

New Inheritance Tax rules apply from 6 April 2017

Unforeseen life events and circumstances can potentially impact your finances in a number of ways. We can help you to safeguard your wealth for future generations.

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Income investment strategies

Yield on equities and corporate bonds look understandably attractive

People are living longer. Simple demographics mean that supplementary income is no longer a luxury – it’s a necessity. Meanwhile, interest rates are at historic lows – even before you take account of inflation. So, relative to cash, the yield on equities and corporate bonds looks understandably attractive.

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Career kick-start

Parents feel it is their responsibility to support their children

Despite footing the bill for further education, almost a quarter (23%) of parents worry that their children’s qualifications won’t be valuable in the workplace.

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Savings bug short-lived

Slipping back into old habits after a salary increase

Workers have the best intentions to make the most of their saving potential when their salary increases, but they only consider doing this for up to a month before slipping back into old habits, according to research from YouGov.

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Origins of wealth

Turning a vision into reality

We understand that no two people are alike and that each of us will have a unique set of objectives. As professional advisers, our starting point is therefore always to take the time to truly understand your goals and aspirations and to turn your vision into a reality that creates sustainable solutions for your aspirations.

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Foreign expats living in the UK

New regulations coming into force from 6 April 2017

As the tax year end approaches, people will be rushing to ensure they maximise their annual allowances and have their finances in good shape. This deadline applies equally to foreign expats (often referred to as ‘non-UK domiciles’) living in the UK as it does to those who were born in the UK. In fact, this year, foreign expats may have even more considerations due to new regulations coming into force from 6 April 2017.

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Who will be opening a new ISA in 2017?

Five million over-50s looking to make their money work harder

Savers have had it extremely tough over many years now, and yet many still feel uncertain about making the switch to investing. This is largely because people don’t know quite where to start, and they are wary of the risk. However, people need to make their money work harder for them – not just to give them a higher level of income, but also simply to stop their money losing value in real terms.

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A little today, a lot tomorrow

Managing investment risk during turbulent markets

A common mistake that some investors make is not diversifying their portfolio enough. To make sure investments are spread across different asset classes, it could contain a blend of equities, bonds, cash, property and others (such as commodities and gold) to benefit from their changing investment cycles.

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