In this New Year edition of our TIPS magazine, the start of 2019 is the optimum time when you may be thinking about resolutions and plans for the year ahead and beyond. It’s a good time to start planning your tax affairs before the end of the tax year on 5 April. And as you think about 2019 and your goals for the coming year, we’ll help to start you off on the right financial footing.

As part of our continuing look at tax-efficient saving and investing, we shine a spotlight on some of the different options available. Whether you consider yourself a savvy investor or financial novice – and no matter what, why or how you want to save and invest – an Individual Savings Account (ISA) could help make your money work harder for you.

You may want to keep an element of control when passing on your assets. You may want your money to be used for a particular reason, such as paying for school or university fees or for a first property deposit. Or you may just want to make sure your money stays within the family.

Plus, women will now start to qualify for the State Pension at the same age as men, currently set at 65. In the magazine we look at how the move to equalise male and female pension ages began 25 years ago and has been gradually phased in.

We hope you enjoy this latest edition and find it valuable. To read the TIPS magazine online click here.

Thinking of starting off the new year by reviewing your financial plans? A financial plan can help you balance your everyday needs against your long-term goals and enhance the probability of a secure retirement. What’s more, it can introduce you to a means to help achieve a retirement income you cannot outlive, as well as help you plan to create a lasting legacy. If you would like to start off the New Year by reviewing your financial plans, please contact one of our independent financial advisers here.