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You’ll find the latest updates, expert insights, and practical tips to help you navigate the financial landscape. Stay informed on industry trends, company news, and valuable advice to support your financial journey.

Mortgages | Investments | Wealth Management | Pensions | Protection | Equity Release

February 2025 Economic Review

Our monthly economic review is intended to provide background to recent developments in investment markets as well as to give an indication of how some key issues could impact the future.

It is not intended that individual investment decisions should be taken based on this information; we are always ready to discuss your individual requirements. We hope you will find this review to be of interest.
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January 2025 Economic Review

Our monthly economic review is intended to provide background to recent developments in investment markets as well as to give an indication of how some key issues could impact the future.

It is not intended that individual investment decisions should be taken based on this information; we are always ready to discuss your individual requirements. We hope you will find this review to be of interest.
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Essentially Wealth & Mortgages Newsletter Q1 2025

Inside: Tax year end planning checklist / Beware of the dangers of ‘influencers’ / Don’t miss the chance to maximise your State Pension / Avoiding overspending in retirement / Breaking the taboo: Family tensions over financial matters / Are you neglecting your cash savings? / Financing longevity is all in the planning.
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Autumn Budget 2024 Summary

Quilter’s Autumn Budget Summary 2024 provides key insights into the latest fiscal announcements and their impact on pensions, investments, and personal finances.

This summary breaks down the main policy changes and what they mean for individuals and businesses navigating the evolving economic landscape.
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Blog Posts

March 20, 2025
Company year-end approaching? Don't lose out!

Approaching your company’s year-end is a challenging time. There are the ever-present challenges of profitability, cashflow, and (getting and keeping) customers. Often, business owners can be too close to the tree to see the wood, let alone the forest! What is essential, however, is to take the time to review, plan and take advantage of […]

March 20, 2025
Getting a bonus at work? Don't lose It to HMRC.

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. […]

January 24, 2025
Inheritance Tax Planning

The subject of inheritance is a hot topic. The Daniel Craig debate had ‘shaken’ and ‘stirred’ the topic by stating he’ll be spending or giving away most of his fortune, rather than leaving it to his children. It’s an interesting point of view, made a little easier of course if you’re lucky enough to be […]

January 24, 2025
Navigating Tax Changes: What You Need to Know!

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, […]

January 24, 2025
What you need to know before using your pension!

If you’re thinking about retiring and taking money out of your pension pot, it’s important to look at the timing and order in which you do it: Many people arrive at the age they want to partly, or fully, retire with a range of assets. These can include cash, property, ISAs, bonds, pension plans, and […]

January 23, 2025
The Cost of Education

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 […]

January 23, 2025
Are you missing out on pension tax breaks?

Most of us understand the benefits of investing tax efficiently. Using the tax allowances, such as ISAs, provided by the government each year means we can avoid paying unnecessary tax. However, many of us are missing out on the valuable tax savings available through our pensions. Pensions are one of the most tax efficient ways […]

January 23, 2025
Start the new year right: tips to stay on top of your finances

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 […]

January 9, 2025
Are your savings and investments prepared for the reduced allowances?

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 […]

January 9, 2025
Sudden Wealth - A nice problem to have?

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 […]

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