Pensions form a key part of financial planning. Everyone has an annual allowance which dictates the maximum tax relievable contribution that can be paid into a pension each year either personally or on their behalf, by an employer for example…

Why compound interest should be considered as the 8th wonder of the world…
According to Albert Einstein the most powerful force in the universe was the principle of compounding. This principle is not widely understood by many; it is essentially earning interest on interest.

Interest Rate Rise – What does it mean for me? The Bank of England (BoE) is the UK’s equivalent of the Federal Reserve System in the USA – they are our central bank and act as the government’s bank and the lender of last resort. It issues currency too, but most importantly is oversees monetary policy…

The nil-rate band i.e. the amount an individual can potentially pass on tax free on death is currently £325,000 and making full use of this could save your estate from a whopping tax hit of 40%. Things such as cash, investments, property, vehicles and life insurance…

Pension Tax Relief and the Lifetime Allowance… I have read a number of articles in the financial press recently predicting the Government are once again reviewing the reliefs given on contributions to pension schemes. Whilst this causes a constant frustration to us and our clients, I do understand the need for the Government…