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Key Guides

Our Key Guides cover complex topical issues, such as pensions freedoms, tax planning for higher rate taxpayers, or starting and selling a business in an in a way that is simple and easy to understand and are regularly updated to reflect the latest legislation, facts and figures.

Investment Planning & Asset Allocation

Investment planning is now more of a science than an art. Technology, ever-increasing investment opportunities and stricter regulation have all encouraged a more scientific approach. But has your investment strategy kept pace?

Financial Protection for You and Your Family

Most people's finances are like a house of cards, with their ability to earn an income acting as the bottom row. Everything else rests upon this bottom layer and, should the worst happen and your income stop, the whole house can come tumbling down.

Business Succession Planning

If you are a business owner, business succession planning and insurance is important. It is simply the process of planning for what you want to happen if you (or your co-owner, if you have one) were to die or fall seriously ill.

Investing for Children

Most parents want to help their children financially, whether it is making sure there is enough money for their education or eventually helping them to buy a property. An early objective as they grow up may well be to help children understand the value and importance of money.

Pensions Tax Planning for High Earners

If you are a high-earner and feel you are paying more and more tax, you are not alone. More than one in seven income tax payers are taxed at the higher or additional rate and they pay about two thirds of all income tax.

You & Yours - Estate Planning

All too often, people put off estate planning. This is understandable as, rather than preparing for the here and now, it requires you to consider what will happen when your life is over, hardly something most of us rush to contemplate.

Investing Tax Efficiently

The way that investments are taxed has changed over recent years as successive governments have chosen to handle various sources of investment income in different ways. The aim has typically been to increase tax revenues.

Saving for Retirement

Retirement is something most of us look forward to - particularly on a Monday morning. However, those thoughts are often little more than a whimsical cocktail of not having to work and prolonged holidays. The reality could be rather different, particularly if your retirement date is some way off.

Taking Income at Retirement

There comes a time when you stop working for your money and put your money to work for you. For most people, that is retirement.

The Financial Planning Journey

Financial planning can help everyone. It isn't reserved for the rich, or sophisticated investors, because we all want to make sure we are making the most of our money.

Taxation of Property

Becoming a landlord has been an attractive proposition for anyone who could raise a deposit, thanks to a prolonged period of low borrowing costs and generally rising property values. However, interest rates have finally started to rise (they are now the highest they have been for nearly a decade) and uncertainty in the housing market has reduced property prices, particularly across London and the south-East.

Making the most of ISAs

When Individual Savings Accounts (ISAs) first appeared in 1999, as a replacement for PEPs and TESSAs, they were a relatively straightforward offering. In the 19 years since, complication has set in. The point has now been reached where the May 2018 report on savings tax from the Office of Tax Simplification (OTS) suggested that “there is scope for a wider full review of the current ISA landscape, to make the regime simpler and more accessible”.

Later Life Planning

The last 25 years have changed the way we live. Now we can access information instantly, share experiences with people across the world, and reap the benefits of rapid technological change. These benefits include increased living standards and healthcare, and longer life spans.

Investing in VCTs and EISs

Over the years governments have introduced, and then replaced, a variety of schemes to stimulate investment in new and small businesses. A key feature of all of these schemes has been various types of tax incentive. The Treasury views these tax sweeteners as a necessary cost to attract 'patient capital' from private investors.

Living Abroad - the Tax Rules

While the thought of going abroad to work or retire may be exciting, the months prior to departure are likely to be highly stressful. Finding somewhere to live in your chosen country, arranging the necessary visas and booking a suitable removal firm are just some of the issues you are likely to have to deal with.