April Fact Sheets

All of our April financial guidance factsheets are available to download below. Each one focuses on a different financial aspect to help guide you when setting and reaching your financial goals. If there is anything you are unsure about, or would like further information, all of our independent financial advisers offer a free initial consultation…

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10 ways to reduce your Inheritance Tax bill

We’ve put together 10 ways to reduce your Inheritance Tax bill. Even those who believe they have moderate wealth levels may still need to take action to minimise Inheritance Tax, particularly if they own property and have savings and investments. Inheritance Tax is payable in the UK on death, and sometimes when you give away…

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Tax planning reimagined

No one likes to pay tax on their hard-earned money. But due to the complexities of the tax system, without expert professional financial advice, some individuals could be paying more tax than necessary. Before the end of the tax year on April 5, you have the opportunity to save money on taxes and plan for…

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Passing on pension benefits

If you’ve spent a lifetime saving for retirement, you’d probably like any remaining money to go to a loved one after your death. But whether pension benefits are payable to a beneficiary, and how they’ll receive them, is dependent on the type of pension you’ve chosen and how you’ve accessed it in your retirement. Thanks…

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Combined finances

Some couples may to prefer to keep their finances separate, while others share everything. Whichever method you’ve chosen, when it comes to retirement saving, it’s worth planning together to ensure you’ve made the most of all the allowances and benefits offered to couples. Your golden years may ultimately be the best of your relationship if…

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Use it or lose it

If you hold a Cash Individual Savings Account (ISA) you may be dissatisfied with the low rates of interest you receive, which could make it difficult to grow your money even at a rate that keeps pace with inflation. Stocks & Shares ISAs offer the possibility of higher returns than Cash ISAs, but only if…

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Inflation beaters

With current interest rates on cash savings very low, it is difficult to achieve growth above the rate of inflation. And if the costs of living is rising faster than your savings are growing, you’re effectively losing money. With cash savings, a penny saved is a penny earned. But thanks to inflation, over time, the…

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Invest today. Change tomorrow

Responsible, sustainable and environmentally friendly investing is here to stay. But, while demand is growing among all age groups, genders and income bands, some savers and investors are missing their biggest opportunity for responsible investing, which is through their pension. We all want to make responsible choices as more of us are becoming aware of…

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Tips Financial Guidance Magazine March and April

Welcome to the latest issue of the TIPS financial guidance magazine for March and April 2021. At the time of publishing, Chancellor of the Exchequer Rishi Sunak had not delivered his budget 2021 speech. We’ll look at the key announcements and how these could affect your personal, family and business finances in the next edition.…

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Creating a total wealth solution

If you do not know where you are going on your life journey, how will you know when you arrive? This is very true about the importance of having financial goals. You need to set financial goals to help you make wise financial decisions, and also as a reward for your efforts. Goals should be…

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Visualise your future

Financial wellbeing ultimately comes from achieving financial security and independence. When you’ve reached a state of financial wellbeing, you’ve got to a point where you have a sufficient level of income for your lifestyle needs, enough capital to give you peace of mind and the knowledge that whatever happens you, your family and business are…

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Don’t put your future plans at risk

Anything is possible when you manage your money the right way. But it’s important to have realistic expectations of what your financial resources can achieve to enable you to reach your financial and lifestyle goals, without putting your future plans at risk. Key to this is understanding how each financial decision can affect other areas…

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