It’s a fact THAT more of us will require specialist care in our later years Today, the cost of care is a major concern for many people, with the average level of pension savings unlikely to be enough to cover any long-term care requirements in addition to providing a retirement income.

The numbers show a significant protection gap exists for families in the UK W e all want to safeguard our family’s lifestyle in case the worst should happen. But only a quarter (24%) of adults in the UK with children under 16 have any form of financial protection, a significant drop from 31% in 2013, […]

UK couples are spending more than £44,000 on average when they divorce or separate Achieving a fair resolution of all the financial issues surrounding divorce or the dissolution of a registered civil partnership can be highly stressful. Alongside wanting to resolve these effectively and affordably you may also be worrying about how you will achieve […]

Diversifying your assets helps spread risk by lessening the potential for losses Most investors are used to hearing the term ‘diversification’ – but it has a broader meaning than many realise. Diversification is the process of investing in areas that have little or no relation to each other. This is called a ‘low correlation’.

How to UNLOCK your assets from unnecessary tax £325,000 The first £325,000 value of your estate is called the ‘Nil Rate Band’ because although it is taxable to Inheritance Tax (IHT), it is taxed at 0% (tax year 2014/15).

A guide to the jargon of wealth protection

Passing your estate to the right people at the right time Putting your savings, investments, life policies or assets into a trust can play an important part in estate planning. A trust is a legal entity that has control over assets for the benefit of one or more people, and there are different types of trust […]

Make sure your legacy does not involve just leaving a large tax bill for your loved ones In order to protect family and loved ones, it is essential to have provisions in place after you’re gone. The easiest way to prevent unnecessary tax payments such as inheritance tax is to organise your tax affairs by […]

Providing the legal authority to act on your behalf A Power of Attorney is a legal document that allows you to give someone else the legal authority to act on your behalf. There are several different types of Power of Attorney. A Lasting Power of Attorney (LPA) (previously called an ‘Enduring Power of Attorney’) allows your […]

An essential part of financial planning that provides peace of mind about what happens to your wealth Your Will lets you decide what happens to your money, property and possessions after your death. If you make a Will you can also make sure you don’t pay more inheritance tax than you need to. It’s an […]