News

Do you discuss your finances with your nearest and dearest? In many families, having a frank discussion about wealth still remains a taboo Please contact us if you require a copy of our When I’m Gone Guide, available as a hard copy or electronic. However, with younger...

Investment gains and dividends received within an ISA are not subject to tax. While, not officially part of the ISA family, Inheritance ISAs have become a popular way of preserving wealth for the next generation. They launched in 2013, when the rules changed to allow...

Source: fmifa’s client 2018 Over the past 12 months we have seen a marked increase in the use of Equity Release funds for supplementing retirement income. It doesn’t feel like the cost of living is slowing down and individuals want and expect more out of retirement...

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...

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...

We believe the best way we can help the happiness and financial health of our clients is by helping them to create a plan focused on their life goals. A recent survey by psychologist Robert Epstein found that 25% of our happiness hinges on how well we’re able to...

A common question from our clients: If I give money to my children, will they be taxed on it? There is a misconception that you cannot give more than £3,000 in any tax year, but this is not the case. The fact is you can give any amount without triggering any kind of...

Clients ask us a variety of questions about pensions and quite right too. The decision to retire is one of the biggest life changes we experience bringing feelings that range from excitement to uncertainty. We also move from a position saving for the future, to...