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Use them or lose them
Here’s a guide to your annual tax allowances, including ISAs, pension contributions and gifts – and why it’s important to make the most of them. At this time of year, one of the most beneficial things you can do for your money is to review your annual allowances. Make...
Key Dates For Your Finances 2023/24
Now’s the perfect time to make sure you’re fully prepared for the financial year ahead. To make it easy, we’ve summarised the key financial dates to put in your diaries: March Potential Spring Statement 31st – End of the Help to Buy Scheme – Buyers who applied for the...
Are you making the most of your ISAs?
You are unable to carry any unused allowances over into the 2023-2024 tax year. If you are unsure on what ISAs are available to you and what they could do for you and your money, here’s how you can make the most of them. ISA An ISA is an individual savings account...
Junior ISAs
In the 2022 Autumn Budget, it was revealed that the Junior ISA (JISA) spending limits would remain at £9,000 for the 2023/2024 tax year. The JISA limit was last changed in early 2020, when it was doubled from £4,500 to its current level. JISA and CTFs both benefit...
How to Create a Pension Plan for a Secure Retirement
A pension plan is an important part of saving for retirement. It can provide you with a regular income in retirement, which can be used to supplement other forms of retirement income such as private pensions and state pensions. In this blog post, we will discuss the...
Planning for a comfortable retirement
Tina is a fit and vibrant 59-year-old who expected retirement to offer a whole new lease of life. She was looking forward to using her increased leisure time to explore Europe while indulging her passion for climbing. However, after going through her finances, she’s...
Is opting out of a workplace pension a false economy?
Rachel is a 35-year-old charity administrator. When she started her current job nearly six years ago, she was automatically enrolled into her workplace pension. Auto-enrolment for workplace pensions was introduced in the UK to encourage more people to save for...
Pension Planning for the Self-Employed
There are 4.8 million self-employed people in the UK and only a third have any kind of pension arrangement. A shocking statistic when you consider that State support is shrinking and we’re all living longer. Of course, saving for a pension when you’re self-employed is...
Pension lifetime allowance – how it affects you
In his 2021 Budget, the Chancellor announced a five-year freeze on the lifetime pension allowance. What does this mean for you and your retirement fund? What is the lifetime pension allowance? The lifetime pension allowance sets a limit on how much you can save in...
Five practical reasons you should create a financial plan with your partner
Money and financial goals are still sometimes viewed as taboo subjects, even within relationships. If you’ve been putting off conversations about finances, creating a plan together could have many benefits. Actively talking about money can be positive for both you and...
