. CTFs and Junior ISAs (JISAs) are tax efficient ways of saving for children: the annual subscription limit has now doubled.

Out with the old and a boost for the new for children’s savings

By Richard Jackson | 27th April 2020

2020 sees an old plan mature and its replacement given a boost.  Be prepared to feel just a little old: the first Child Trust…

Review your IHT planning in case the Autumn Budget brings in the anticipated changes

The inheritance tax dog that didn’t bark…

By Richard Jackson | 22nd April 2020

One of the few surprises in March’s Budget was that the Chancellor never mentioned inheritance tax (IHT) or expected simplification measures. Before 11 March…

A change to the annual allowance taper

By Richard Jackson | 20th April 2020

One of the more controversial pension tax rules – the annual allowance taper – was slightly reformed in the Budget.  The annual allowance effectively…

2. The Bank of England base rate is at an all-time low: now could be the time to review your long term financial planning, investments and retirement income.

Base rate – the last cut is the deepest…

By Richard Jackson | 16th April 2020

The Bank of England’s two unscheduled base rate changes in March took interest rates to a new all-time low. The Bank of England’s 0.5%…

Coronavirus has greatly impacted the stock markets, with the UK FTSE 100 and US Dow Jones Index suffering the worst performance since 1987.

The quarter of the unexpected – the markets’ story

By Richard Jackson | 15th April 2020

The first quarter of 2020 was a traumatic one for investors. 2020 started off well enough. Until the middle of February, most global share…

Intestacy rule change favours spouses

By Richard Jackson | 28th February 2020

The intestacy rules for England and Wales have been amended.  The intestacy rules automatically apply to the distribution of estates where there is no…

Look back in curiosity: what can we learn from the 2010s?

By Richard Jackson | 25th February 2020

What do you remember about the decade that began in 2010?  A decade is a long time and a lot happens, but important details…

National Living Wage set to outpace new state pension

By Richard Jackson | 21st February 2020

The National Living Wage (NLW) rises by over 6% in April. The 6.2% increase to £8.72 an hour equates to £15,870 a year based…

Last call for 2016/17 on your annual pension allowance…

By Richard Jackson | 20th February 2020

The clock is ticking on using up your pension annual allowance  The allowance effectively sets the maximum pension contributions from all sources (including your employer) on…

A Budget Day… at last

By Richard Jackson | 18th February 2020

In early January the Chancellor Sajid Javid announced a new Budget date: 11 March 2020.  This could be a significant Budget. Traditionally, the first…

Share prices rose globally in 2019

The 2019 investment year

By Richard Jackson | 30th January 2020

The world’s share markets enjoyed strong rises in 2019.  2019 was a very different year for investors from 2018. Whereas 2018 saw a pattern…

Lisa - Lifetime Isa

The last LISA standing

By Richard Jackson | 28th January 2020

At the start of December, the Help-to-Buy ISA was withdrawn for new investments. The Lifetime ISA (LISA) is now the only ISA plan offering…

Venture capital trusts continue to attract investors

By Richard Jackson | 27th January 2020

The latest statistics from HMRC show the inflows to venture capital trusts (VCTs) have more than doubled since 2009/10.  At the end of last…

New government, new tax targets?

By Richard Jackson | 22nd January 2020

How will the new government affect your financial planning?    December’s general election delivered a Conservative government with the sort of majority which consigns the…

Life expectancy shortens…or does it?

By Richard Jackson | 21st January 2020

New calculations from the Office for National Statistics have lowered life expectancies. Every two years, the Office for National Statistics (ONS) recalculates its national…

Calling a halt on mini-bonds

By Richard Jackson | 30th December 2019

The Financial Conduct Authority has announced a temporary ban on the promotion of most ‘mini-bonds’.  Have you ever been tempted by those advertisements offering…

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