Every year, Father Christmas accomplishes the impossible: delivering toys to children all around the world in a single night. He maintains a magical list that tells him whether children are being naughty or nice, chooses the perfect gift for each child, and creates and wraps those gifts for all the good children around the world. Read More +

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 +

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 +

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 +

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 +

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 +

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 +

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 +

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 +

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 +