Financial planning

We break down the main changes announced in the Autumn Budget 2024, and our team of expert financial advisers comment on what it could mean for investors.

Fresh into the new tax year, now is the time to start investing if you can afford to start taking advantage of your £20,000 ISA allowance and give yourself the best chance of maximising potential returns.  

In what is likely to be his last Budget before a general election later this year, Chancellor Jeremy Hunt revealed the Treasury's plans to boost the UK economy, featuring another cut to National Insurance and the creation of a UK ISA to encourage domestic investment.

Capital gains tax allowances are to be further reduced for the new tax year starting 6th April, which could impact how you invest. Here's what you need to know. 

Make confident financial decisions, achieve your goals, and aim towards a more secure financial future

Whether you are new to the world of investing, or someone who has been putting their money to work for many years, the end of the tax year is an opportunity to take advantage of tax-efficient wrappers and potential government bonuses on some products.   

Getting your finances in order can feel like a daunting task, particularly when tax rules are changing. But, as the saying goes, a problem shared is a problem halved. Our qualified financial advisers always take tax allowances into account when making their recommendations to help you make sure you’re on track for the future you want.  

It’s often thought that the highest rate of income tax in the UK is 45% – but that’s not actually the case.

Here's how to get the most out of your investments – and stay on track to meet your long-term financial goals

We've been totting up the figures on how to retire comfortably at 55 in the UK (though the nominal minimum pension age will rise to 57 in 2028). To retire at 55 with financial freedom, and some luxuries such as overseas holidays, it is estimated that an individual would need annual income of around £37,300 per year. A couple would need £54,500. We explore how much you will need to give your pension a boost, including estimates for monthly contributions and total pot size. 

While it’s not mandatory to seek financial advice when starting or investing in a pension, it may still be a good idea to speak with an expert to manage risk and get a clearer understanding of tax efficiencies, ultimately giving you the best chance of hitting your retirement goals.

Many people may not be aware of how their main home and other assets could be affected by inheritance tax (IHT) after they’ve passed away. We explore some of the key things to know about IHT and options you may want to consider to reduce your potential IHT bill.