Getting a bonus? Don't lose It to HMRC. If you're expecting a bonus soon, you might have already planned how to spend it. Common uses include paying off debts, saving for a holiday, or setting aside for retirement. While these are sensible choices, there are valuable tax allowances that can make your spending more efficient. […]

From our perspective, the biggest impact on investments and financial planning relates to tax allowances and shelters available from the Government. When investments aren't held correctly from a tax perspective, it can mean losing money to HMRC and reducing returns. Start by asking: Are your savings, investments, and assets held in the right name, ownership, […]

When I was at school, the second half of the year was often the months that was crammed full of end-of-term assignments, revision, and exams. There is a value to education of course. Price is only an issue in the absence of value I know, but it did get me thinking about the implicit and […]

As we welcome the New Year, it's the perfect time to take a fresh look at your finances. With Christmas behind us, January offers a clean slate to reassess your financial situation, set new goals, and make plans to stay on top of your finances throughout the year. Here are some tips to help you […]

This tax year brought in a reduction to some existing allowances meaning that the tax paid on income, savings and investments increased. Even for the tax rates that were frozen, in real terms when inflation is considered, this amounted to an increase in the tax payable by you. Not only was the personal allowance frozen […]

Most of us assume we would be delighted to receive a substantial sum of money. It’s fun to make that mental list of extravagant purchases such as holiday homes or your dream two car garage. However, while it’s a nice problem to have, it can be daunting. This is particularly true where the money is […]