You May Soon Have To Pay Tax On Your Savings

You May Soon Have To Pay Tax On Your Savings

Nov 17, 2022 | Blog, Financial Planning

For years you have probably not really had to worry about paying tax on your savings.   Interest rates on cash savings have been virtually zero for over 12 years. The last time the Bank of England base rate was over 1% was back in 2009.  In recent months interest...
What You Need To Declare To HMRC

What You Need To Declare To HMRC

Nov 10, 2022 | Blog, Financial Planning

If you are employed or retired, you don’t usually need to complete a self assessment tax return for your income and declare to HMRC (HM Revenue and Customs).   Employers and most pension providers will pay you via a payroll system such as PAYE (Pay As You Earn) so...
What Retirement Money Should You Spend First?

What Retirement Money Should You Spend First?

Mar 24, 2022 | Blog, Retirement Planning

On the way up your wealth mountain it’s easier to know where to save your retirement money.   Most people will understand the basics of Pensions and ISAs and if you are able to make the most of these allowances every year and invest wisely, you should be in a good...
Easy Investment Access – No Money Locked Up

Easy Investment Access – No Money Locked Up

Oct 21, 2021 | Blog, Financial Planning

When I speak to potential clients who have very little experience of investing, the main reason they give for never having invested before is because they don’t want their money locked up.  There’s something worrying about not being able to get your hands on your...