Downloads - Archive
 Guide to BUILDING FINANCIAL WEALTH - Six tried and trusted principles to help you reach your investment goals
If you're new to investing, knowing where to start can be a daunting task. The reality is that people should start saving and investing as early as possible. The growth of savings and the power of compounding gives an enormous head start to those who can put money aside and invest in the early stages of their lives and careers - and building an investment portfolio is one proven way to grow money and wealth.
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 Guide to ESTATE PRESERVATION - What will your legacy look like?
Welcome to a Guide to Estate Preservation. This is an important part of wealth management, no matter how much wealth you have built up. It's the process of making a plan for how your assets will be distributed upon your death or incapacitation. This subject doesn't only affect the very wealthy. Inheritance Tax, in particular, is becoming more of an issue for many of us due to rising house prices and complex family situations. Making provision for your loved ones is an essential part of managing your estate and assets. When you have spent an entire lifetime building up your personal wealth, you'll want the comfort of knowing that upon your death your estate will pass into the hands of your chosen beneficiaries and not into the hands of the government.
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 Guide to THE STATE PENSION- What will I receive from the state in my retirement?
The State Pension is a vital source of income for millions of retired people across Britain. However, the system can be complex and it's important that you know how it works. If you're looking to maximise your income in retirement, a good place to start is with your State Pension.
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 Guide to SELF-INVESTED PERSONAL PENSION SCHEMES
Welcome to our Guide to Self-Invested Personal Pension Schemes. Saving for your retirement is one of the longest and biggest financial commitments you will ever make. Imagine you are retiring today. Have you thought about how you are going to financially support yourself, and potentially your family too, with your current pension savings? If appropriate to your
situation a Self-Invested Personal Pension (SIPP) could be an option to consider as part of your overall retirement planning.
A SIPP may be appropriate for you if you're confident making your own investment decisions and managing your pension payments against the relevant allowances.
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 Novdember December 2021 Newsletter - HOW CAN I PROTECT MY WEALTH FROM INFLATION?
Welcome to our latest edition. This issue was written prior to the Chancellor of the Exchequer, Rishi Sunak, presenting the second UK Budget of 2021 on Wednesday 27 October. We will look at the key announcements included in the Chancellor's red box in the next issue.
Inside, 'How can I protect my money from inflation?' is a question that many people may be asking themselves right now. In the current economic climate, rising inflation is becoming a concern for people with savings and investments. The effect means you're potentially earning less money due to your hard-earned cash becoming worth less as time goes by. The negative impact of inflation upon
the real value of an investor's portfolio will be a concern, particularly for the older generation with not enough investments, who may live mostly or entirely off their savings
and pensions. On page 04 we consider five questions you should ask yourself before inflation takes off..
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 Navigating the choices planning for the future brings
Welcome to our Guide to New Year 'Investment' Resolutions. Like millions of Britons, you've probably made some New Year's resolutions. Now you need to figure out how to make them become a reality. Having a personal lifestyle financial plan in place early will make it easier to manage your money further down the line. With so many savings and investments options out there, you might feel confused about what's the right choice for you. That's where we step in to help. It's never too early to start to plan. The sooner you work out your goals and
start following a plan to achieve them, the more likely you are to succeed. A personal lifestyle financial plan is now more important than ever. In these difficult economic times, people need to be aware of how to better manage their money and generate new sources of income in order to survive and thrive in today's world. A solid personal
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 Guide to POST-COVID-19 RETIREMENT PLANNING - Pandemic leads to changes in future retirees' plans
Welcome to our Guide to Post-COVID-19 Retirement Planning. Every day the barrage of COVID-19 news has been unrelenting. The impulse to react, and to protect what we have, is understandably strong. The pandemic outbreak and resulting financial fallout have caused considerable financial stress for many, making it difficult to decide about how and when to retire.
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 Guide to GETTING MY FINANCES IN ORDER
When it comes to making financial decisions, you don't have to go it alone The coronavirus (COVID-19) pandemic outbreak has affected people in various ways. However, this has undoubtedly been a time for contemplation surrounding our personal finances. Many have taken the new-found time at home to conduct a review of their finances, to assess necessary and unnecessary expenditure. While uncertainty with the job market continues, a tighter grip on finances is key.
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 Guide to PENSIONS ON DIVORCE - Navigating through uncertainterritory
If you're going through a divorce, dividing up any pensions you have will usually be one of the largest financial decisions you need to make. Agreeing financial arrangements in your divorce can seem daunting; there are so many misconceptions and myths as to what each party is entitled to that it gets confusing. The rules surrounding dissolution of a registered civil partnership are the same as those for divorce. In this guide, we use the term 'divorce' to mean the end of a registered civil partnership as well as the end of a marriage.
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 Staying focused on long-term economic and market expectations.
Welcome to our Guide to Investment Insights. Coronavirus (COVID-19) is impacting societies and markets around the world. As concerns over the pandemic continue to dominate headlines, cause volatility in the market and subsequently shake confdence, it is perfectly normal for investors to become nervous, question their investment approach and concentrate on the potential for short-term losses over their longerterm investment strategy.
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 Guide to Investing in an unpredictable world
In our Guide to Investment Diversification, we consider why diversification is an important part of investing. In practical terms, diversification is holding investments which will differently to the same market or economic event. Generally speaking, there are four broad asset classes: cash, fixed interest (bonds), property and shares (equities).
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 Guide to Tax Year End Planning tax Year 2019/2020
Tax is never a one-size-fits-all approach: each taxpayer and each year will be different. And with the current tax year-end approaching, this is a perfect timeto carry out a tax health check and implement any planning opportunities before the end of the 2019/20 tax year.
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 Guide to Investing for the Future
Making the right choices to invest for your future can seem complex. But with the right investment strategy in place we can ensure you are able to make informed decisions to secure the financial future you want. We will help you work out exactly what you want to get out of your investments, set realistic targets and keep you on track.
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 Guide to The Final Retirement Countdown
A better tomorrow starts with understanding today. When the future is unclear, the thought of retirement may well feel more daunting than exciting. Our retirement planning service can help you build the wealth you need to achieve the retirement you deserve.
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 Guide to Tax Matters 2019/20
In this guide we set out the main tax changes that apply to the 2019/20 tax year, which commenced on 6 April 2019. Reviewing your tax affairs to ensure that available reliefs and exemptions have been utilised, together with future planning, can help to reduce your tax bill.
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 Guide to Wealth Preservation
Our advice can help you preserve and protect the wealth you�ve amassed through hard work, inheritance or good fortune. Inside our guide, we look at the number of key areas that will enable you to put in place an effective protection planning strategy to preserve and protect your wealth for you and future generations.
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 Guide to The Final Retirement Countdown
If you are aiming to retire within the next five years, it�s time to get into the mindset of considering the practicalities of fulfilling your desired lifestyle and making plans. While you should think about retirement planning as early as possible, the five years leading up to retirement are critical.
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 Guide to Protection Planning
Welcome to our Guide to Protection Planning . Inside we look at the number of key areas that will
empower you to put in place an effective protection planning strategy to preserve and protect your
wealth for you and future generations.
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 Guide to
Investing
Welcome to our Guide to Investing. Creating and maintaining the right investment strategy plays a vital
role in securing your financial future. Whether you are looking to invest for income or growth, we can
provide the quality advice, comprehensive investment solutions and ongoing service to help you achieve
your financial goals.
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 Guide to
Long-Term Care
Rising life expectancy brings with it the challenge of how we fund our future care costs. The question
is: who is responsible for looking after us if we need care in old age?
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 Guide
to Investing and Inflation
Rising inflation is a concern to investors, as changes in inflation and interest rates affect various
asset types in different ways. This is an especially important issue for retirees living on a fixed
income.
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 Guide to
Retirement Planning
Welcome to our Guide to Retirement Planning. The pension freedoms rule changes mean that we'll be
increasingly in charge of our pensions, both while we're building up our retirement pot and when we
start to draw an income. It's therefore more important than ever to plan our retirement saving from an
early age.
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 Guide to LIFETIME ISA 2017
The start of the new tax year on 6 April 2017 saw the launch of the Lifetime ISA (LISA), which was
announced in the 2016 Budget. This is a new type of Individual Savings Account (ISA) designed to help
you save for a first home or for your retirement at the same time. To be eligible, you have to be aged
between 18 and 39 years old (up until your 40th birthday).
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 Guide to Brexit
2017
Brexit has created an air of uncertainty, and no one really knows what's coming next or what it could
all mean in the long term. On 29 March, Prime Minister Theresa May triggered Article 50 of the Lisbon
Treaty in a letter to EU Council President Donald Tusk, starting two years of divorce proceedings..
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 2016/17 Year End Tax Planning
We provide suggestions for further consideration and discussion, enabling you to arrange your taxes,
investments and wider financial affairs to reduce current and future tax liabilities. Please keep in
mind that everyone’s tax situation is different. Before implementing any of the strategies discussed
here, you should obtain professional advice.
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 New Year Wealth Planning
Welcome to our Guide to New Year Wealth Planning. The start of a new year enables you to reassess and
critique your financial plans and goals to ensure that you know where you are and where you should be.
It means you can also put in place new strategies or update existing ones to achieve the outcomes you
are expecting. It means you can work towards and meet deadlines and allocate sufficient time to
completing these financial objectives.
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 A Guide To Wealth Management
Welcome to our Guide to Wealth Management. Our personalised approach is designed to help us understand
your wider ambitions and objectives for your wealth, whether you want to generate an income that
supports your lifestyle, family and retirement plans; need help to pass your wealth on to future
generations; or fund your ambitions, from personal legacies to philanthropy.
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 A Guide To Professional Financial
Advice
Few of us really have the time or inclination to understand the vast number of different investment
products available on the market and consider what the best options are to suit our particular
objectives. To do this effectively, it would need to become a full-time job.
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 A Guide To Investment Matters
Anything is possible when you manage your money the right way. Whatever your goals in life are, careful
planning and successful investing of your wealth can help you get there. Investments can offer both risk
and return, and generally the bigger the risk the greater the potential return.
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 Protecting Your Financial Plan
Welcome to our Guide to Protecting Your Financial Plan. The right professional financial advice can
give you the freedom to live life on your terms, and key to this is safeguarding your financial security
by making sure you have adequate protection in place to care for the people and things that matter.
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 A Guide To Lifetime Allowance
The Government has introduced comprehensive reforms to the pension rules over the previous few years.
One important change, which may have been overlooked by some savers, is the reduction of the Lifetime
Allowance that applies to pension savings. This further reduction means that you may be affected.
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 Active and Passive Investment Management
If you are looking to invest in shares or bonds, you may think about putting your money into one or
more managed funds. Managed funds are pooled investments that contain different securities, so you
reduce the risk of holding just a few individual shares or bonds.
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 Guide to
Investment Plannning
Welcome to our Guide to Investment Planning. Money, of course, plays an important role in our lives.
While it's not everything, it can help you achieve your goals and gives you greater choices and
freedoms. That's why it's important to increase our financial intelligence to learn how to build greater
wealth.
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 Guide to
Protecting You & Your Estate
Welcome to our Guide to Protecting You & Your Estate. Making sure that you've made plans for after
you're gone will give you peace of mind. It's not nice to think about, but it means that your loved ones
can carry out your wishes and be protected from Inheritance Tax (IHT).
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 Guide to Your
Options At Retirement
Welcome to Your Options At Retirement. Whether you plan to retire fully, reduce your hours gradually or
to carry on working for longer, you can now tailor when and how you use your pension and when you stop
saving into it to fit with your particular retirement plans.
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 Guide to
Retirement Plannning
Welcome to our Guide to Retirement Planning. Pension freedoms have transformed the pension landscape,
giving more choice than ever before in shaping retirement plans to best meet our individual needs and
circumstances.
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 Guide to The
Lifetime Individual Savings Account
In the March 2016 Budget, the Chancellor announced major improvements to Individual Savings Accounts
(ISAs) with the introduction of a new Lifetime Individual Savings Account (LISA) from April 2017,
designed to help young people save flexibly for the long term throughout their lives. The aim is to help
them simultaneously save for a first home and for their retirement without having to choose one over the
other.
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 Guide to The
Budget 2016
Chancellor of the Exchequer George Osborne delivered his eighth Budget speech on Wednesday 16 March,
his third in 12 months. In our summary of the key announcements, we consider how they could impact on
your finances today and in future years to come.
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 Guide to The
New State Pension
The State Pension changed on 6 April 2016. If you reached State Pension age on or after that date,
you'll now receive the new State Pension under the new rules. The aim of the new State Pension is to
make it simpler to understand, but there are some complicated changeover arrangements which you need to
know about if you've already made contributions under the previous system.
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 Guide to
Investing 2016
Successful long-term wealth creation requires the right balance between shares, bonds and other
investments. In Guide to Investing in 2016, we consider a number of different solutions available to
you, and each section explains the basic facts. There are a number of factors you should consider before
deciding on what kind of approach is most suitable for you. These include the purpose of the investment,
the length of time your money can be tied up for and your attitude to risk.
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 Guide to 2015/2016 Tax Planning
Tax is a highly sensitive subject for most individuals. In this guide, we consider a number of tax
planning and wealth strategies. The start of a New Year is the perfect time to take stock and think
about how you can improve your financial position and ultimately structure your affairs so that you
don't have to pay more tax than you legally have to, especially as we're in the run-up to the tax year
end on 5 April 2016.
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 Guide to The
Spending Review and Autumn Statment 2015
On Wednesday 25 November 2015, Chancellor George Osborne presented his Spending Review which set out
what government spending will be over the next four years, while the Autumn Statement updated his plans
for the economy. Compared to the summer Budget 2015, the Office for Budget Responsibility now forecasts
higher tax receipts and lower debt interest, with a 27 billion improvement in the public finances.
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 Guide to New
Pension Freedoms
Whether you're saving for old age, about to retire or already have, you need to give your pension some
attention following the announcement of the new pension freedom reforms. Perhaps most important of all
were the changes announced in the 2014 Budget, which mean many more will now be able to retire and
withdraw money from their pension without buying an annuity.
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 Guide to Wealth
Goals
Reaching wealth goals and achieving personal ambitions are major objectives of the financial planning
process. In order to make plans for the future, you need to know where you are today and where you want
to be in the future.
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 Guide
to Creating A Diverse Investment Portfolio
Welcome to our Guide to Creating a Diverse Investment Portfolio. Don't put all your eggs in the same
basket is probably the best known proverb advising investors about the importance of portfolio
diversification to spread and reduce risk.
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 Guide to Inheritance Tax Planning
Welcome to our Guide to Inheritance Tax Planning. Few taxes are quite as emotive as Inheritance Tax
(IHT). The structures into which you transfer your assets can have lasting consequences for you and your
family. We can help you choose structures and trusts designed to protect your assets and give your
family lasting benefits.
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 Guide to the Budget
2015
In his final Budget before May's general election, the Chancellor of the Exchequer, George Osborne,
announced tax cuts for first-time buyers, workers and savers, and claimed Britain was after five years
of austerity. In our Budget 2015 Summary, we have provided information about the key announcements but
primarily look at the main areas around financial planning.
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 A guide to New Individual Savings Accounts
The NISA way to grow your tax-efficient wealth.
If you are keen to take advantage of the New Individual Savings Account (NISA) allowance, increased to
£15,000, and make the most of your tax-efficient savings, the time is running out. You only have
until 5 April to fully utilize your 2014/2015 NISA allowance, after which it will be lost forever.
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 A guide to Pension Consolidation
Bringing all of your separate pension plans together into one single pension pot.
Few of us today remain in the same career throughout our working lives. The result is that many people
may have a number of different pension pots from previous employers. However, combining them into one
single pension could make real financial sense.
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 A guide to New Pensions Freedom
Giving people more confidence to save into a pension.
Welcome to our Guide to New Pensions Freedom. The Government's flagship pensions freedom policy comes
into force on 6 April 2015 and will give far greater flexibility over what someone can do with their
pension. The new rules should give people more confidence to save into a pension because they will
retain much more control over their money.
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 A guide to Asset Allocation
Balancing risk and return by apportioning your portfolio's assets through different life stages.
The aim of this guide is to give a brief outline of asset allocation, an investment strategy that
attempts to balance risk versus return by adjusting the percentage of each asset in an investment
portfolio according to the investor's risk tolerance, objectives and investment time frame.
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 A guide to Inheritance Tax
Effective solutions designed to protect your assets and give your family lasting benefits in an
uncertain world.
Inheritance Tax (IHT) in the UK may be one of life's unpleasant facts, but with the appropriate IHT
planning and professional advice, we could help you pay less tax on your estate. The aim of this guide
is to provide a brief outline of IHT, a subject that was once something that only affected very wealthy
people.
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Principal: Paul Duckworth
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