Archive: November 2019

FH Manning can help you plan for your retirement - including christmas

Are you considering Christmas and the holidays as you plan your retirement?

Christmas and holidays can be a difficult time in retirement if you haven’t put enough aside ! Christmas comes but once a year – but it does come around every year whether you’re prepared for it or not. For many people, it can be an incredibly difficult time of year – especially if you haven’t set Read More +

F H Manning Buy to Let

3 good reasons why you should invest in the Buy to Let market NOW and 3 reasons you shouldn’t

Pros & Cons of Investing in the Buy to Let Market Now Rental properties can provide a relatively steady income. As such, it’s easy to perceive the venture as a win-win investment. And more so, when house prices are on the rise and thus consolidating the capital gains of the buy-to-let assets. Equally, properties grant Read More +

FH Manning three amigos Directors Pension options

Pensions for Company Directors

Pension contributions are one of the few remaining tax allowances available to limited companies. Company directors can make contributions to their pension schemes through personal or company contributions. • Personal Contribution – made up to a maximum contribution of £32,000 per annum, in which the pension scheme has a limit of £40k to claim back Read More +

F H Manning Financial Services Business Relief blog image

Business Relief

A user-friendly guide to business relief Let’s face it, taxes can be a difficult matter when it’s that time of year, but it gets even more complicated for businesses. Just like personal taxpayers, many businesses look for any claims or credits that may reduce their tax burden. More importantly, it takes a professional to help you sort out Read More +

Old Couple sitting on bench enjoying their pension

Your Pension Age – Is It Time for A Thorough Retirement Review?

Thinking about your retirement, your pension age, and how you would like to live during those years, is a good idea at any age. For example, the earlier you begin saving for retirement, the more you can accumulate. And the mathematics of compounding means the earliest savings grow the most. That can make a huge Read More +

Posted in Financial Planning

Are you the lender of last resort?

The UK’s Top Ten mortgage lender, Commonly known as the ‘Bank of Mum & Dad’ , help thousands of first time buyers who have struggled to save up a deposit whilst paying off student debt and starting their careers.  The average family contribution, which is not necessarily from parents but also grandparents, is the equivalent Read More +

Confused smileys

When to share your internet passwords

We are constantly being reminded to keep passwords safe and secure and to not write them down or share them with anyone. We are also being reminded to make sure our Wills are up to date and we have a lasting Power of Attorney to ensure that important decisions, and our assets,  can be looked Read More +

Walk with Grandpa

The dilemma of gifts for grandchildren

A frequent topic of discussion, particularly when advising on Estate planning, is making gifts to Grandchildren.  This is particularly relevant at a time when many younger people struggle to save for a deposit and / or build up sizeable debts in an attempt to differentiate themselves form the crowd. Many clients are reluctant to make Read More +

Whisky as an investment

Can a hobby become an investment opportunity?

My husband is a whisky  enthusiast , he would say connoisseur!  He attends tasting events, does occasional distillery tours, reads about it and drinks a little.  The main part of his hobby is his collection.  Comprising of a number of bottles; some limited edition , some older and rarer, they are all unopened. At some Read More +