Welcome to our blogs which relate to the financial services you may be interested in from mortgages to pensions; protection to auto-enrolment and many more. So why not grab a drink and enjoy the read.
As the saying goes, it’s better to give than to receive. But did you know that along with the pleasure of seeing your loved ones enjoy your gift you can also reduce inheritance tax at the same time? However, to avoid potential pitfalls, you’ll want to understand the rules first. Know what’s defined as a gift What counts as a
Taking the time to align your final wishes with your loved ones can avoid unnecessary confusion, conflict, and heartache. Here’s a closer look at the benefits. Foster understanding and clarity Discussing your will with loved ones ensures everyone understands your intentions, the reasons behind your decisions, and the roles they might play. For those named as executors, trustees, or powers
What are Offset mortgages and who are they best suited to? How Offset works An Offset mortgage is a product that allows a borrower to ‘link’ their savings to their mortgage account. Borrowers only pay interest on the difference between the Offset savings balance and the mortgage amount, so their savings reduce the mortgage interest they pay. An Offset mortgage is
When Aaron Tawny first started the price of a pint of beer was £1.95, a loaf of bread 52p, a pint of milk 34p, and a gallon of unleaded 76p. Manchester United won the Premier League, England were the Six Nations winners and Great Britain won 11 gold medals in the Sydney Olympics. We are proud to share our news
As we approach the new tax year, there are some key dates for 2025. Some of these dates will have a direct impact on your cashflow and financial planning. So now maybe the ideal time to take stock and arrange a financial review. April Before 5th April: • From 1st April the point at which house buyers pay stamp duty
Financial planning is not the same as financial advice. It is not a recommendation to purchase a particular product but an evolving action plan, regularly reviewed to ensure that your goals are met You might have heard the term ‘estate planning’ and wondered what it involved. The word ‘estate’ just refers to everything you own, and estate planning refers to the plans
Retirement is the reward for all those years of hard work. But to truly enjoy this time, it’s not just about having enough savings or being close to family. It’s also about getting rid of some habits that might be stopping you from being fully happy.
Aaron Tawny’s latest investment and financial planning interview video In this video, Brian Juffkins is joined by Gareth Deacon and Dan Appleby from Blackfinch. Brian asks a series of questions regarding the Goldcrest range of portfolios.
There’s an estimated 2.8 million unclaimed pensions in the UK, worth £26.6 billion, according to research by the Pension Policy Institute (PPI). That’s nearly £9,500 per pension, so it’s worth taking the time to track down your lost pensions. Get the details of your old pensions Take a look at your CV. For every job you’ve had you might have
As we approach the end of another tax year (5th April 2025), there are a few areas of planning to consider. ISA Allowance Deadline ISAs and Junior ISAs (JISAs) offer tax-free growth – don’t forget to utilise your £20,000 allowance and £9,000 allowance respectively. Photo by Julia M Cameron pexels.com Pension contributions Boosting pension contributions before tax year end lowers your