What is an Emergency Fund? How much should I have in it? Life will occasionally throw you a curveball. Job losses, car troubles , divorce, or even needing a new roof, can derail your plans and goals. Often, the timing and financial impact of these events are unpredictable. But here's the silver lining: You can still [...]
This month, written by Tom Day In the world of investing, there are two primary styles that can be utilised by retail investors: passive investing, and active investing. Active investing is a strategy where investors aim to outperform the market by actively buying and selling assets. This approach relies heavily on market research, analysis, and [...]
In Rachel Reeves’ first budget on the 30th October, she introduced several new inheritance tax (IHT) measures that may affect a lot of you. First and foremost bring pensions, pension death benefits and death in service benefits into the IHT regime for the first time. This is likely to mean that a lot of people [...]
I get asked this question a lot. In fact, its possibly the most asked question from new clients that I get. The answer, as always, is: it depends. In most people’s circumstances it makes a lot more sense to hold on to your tax free cash and not take it yet. If you think about [...]
I have been asked this question a lot over the past couple of months. It doesn’t help that the Chancellor and the Prime Minister are constantly going on about how tough the budget is going to have to be. I must have read 100 reports that state the author knows what will be announced, only [...]
Our standard advice is that everybody should have a Will. However, some people need one more than others. If you die without a Will, and you’re married or in a civil partnership with children then everything held in joint names will go to your spouse/partner when you die. For anything held in your sole name, [...]
