by Brian Downton | J, Sep, 2017 | blog, general
Most of us would like to reduce our outgoings and put a bit more money away each month, so here are our tips to help cut out unnecessary spending. Write a budget Creating a monthly budget plan can seem like a hassle at first, but it is the most effective tool to track...
by Brian Downton | J, Aug, 2017 | blog, general
In the wake of the 2015 General Election, the Conservative Party confirmed it would deliver on its Manifesto promise that parents could pass their property up to the value of £1m to their children free of Inheritance Tax, thanks to a new ‘family home allowance’. The...
by Brian Downton | J, Jul, 2017 | blog, general
Two thirds of working households in the UK consider themselves to be ‘just about managing’ financially, according to research. The Resolution Foundation, which researches the living standards of those on low to middle incomes, has identified six million Jams (as they...
by Brian Downton | J, Jul, 2017 | blog, general, wealth-management
Much is made about the impact of inflation on the ‘real’ value of your income and investments. That is, the impact inflation has on your ability to continue affording your lifestyle. The magic number The Bank of England Monetary Policy Framework has an inflation...
by Brian Downton | J, Jan, 2017 | blog, general, Pensions
Research carried out by the Small Business Research Centre at Kingston University revealed there are an estimated 1.9 million freelancers in the UK, representing 36% growth over the past eight years. Almost two thirds of all freelancers work in four main industry...
by Brian Downton | J, Oct, 2016 | blog, general
A will deals with matters in the event of your death, but what if you became unable to handle your affairs while still alive? If you’re worried that, as you get older, a physical or mental illness could affect your ability to manage your personal affairs, you should...
by Brian Downton | J, Sep, 2016 | blog, general
Everyone is unique. We all think – and work – differently. Some people are good with words, and others, numbers. The same might be true when it comes to planning and managing our finances. But however different our approaches might be, we probably all have similar...
by Brian Downton | J, Aug, 2016 | blog, general
Dividends Allowance As of April 2016 the Dividend Tax Credit has been replaced by a new tax-free Dividend Allowance. This means you won’t have to pay tax on the first £5,000 of your dividend income, no matter what non-dividend income you have. Any dividends you...
