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This question comes up time and time again and it is hardly surprising because the government continue to tinker with the rules. Generally speaking, the rules on death benefits are improving and the diagram below displays the current position. Of course we fully...

Millions of pounds still sit inside cash ISAs earning poor rates of return and this situation is unlikely to change in the foreseeable future. The question is, was it a mistake by investing in the first place? The answer in many cases is no. The reason is having the...

Research shows that those taking financial advice are on average £40,000 better off compared to those not taking advice. The International Longevity Centre and Royal London looked at the impact of taking professional advice on the finances of various defined groups of...

There was a time when retirement seemed to take care of itself. It was normal to work, retire and then receive the state pension plus a company pension scheme. For most people now, this route simply doesn’t exist. Saving for a “pension” can mean a multitude of...

A common question from our clients: If I give money to my children, will they be taxed on it? The answer is No - well not directly anyway. We explain to clients who ask this question is – if you make a gift to children, you will never be in a worse position than if...