In the spring Budget it was announced the ‘lifetime allowance’ was being abolished. The date was set, 6th April 2024, and before this, the lifetime allowance tax charge would be set to 0%. The measure was
There is not a week that goes by here at Capital without a client contacting us, wanting to help family or friends with a cash gift. It’s great to assist our clients to do this
Record-high inflation, a cost-of-living crisis and a global food shortage – What does it mean to you?
What’s in the news? It’s a fact, UK inflation levels reached its highest level in 40 years. Even though many analysts described Inflation as transitory, we’ve been witnessing quite the opposite during the past 12
Understand how your energy prices, food sustainability, and climate change are affected by the Russia/Ukraine situation
The single most common question we have been asked by clients recently has been “How will the situation in Ukraine impact inflation and overall living standards for us in the UK?” To consider this, we should
There is something of a paradox built into the delivery of wealth management services today. On the one hand, the main reason why you seek advice from a financial planner in the first place is
The cost of living is on everyone’s lips. No matter where you turn; the radio, television, social media, or newspapers, the message is clear. Costs are going up and budgets are being squeezed. For the
A sporting world record was created in London on February 27th 2022. As the Carabao Cup Final between Liverpool and Chelsea remained goalless towards the end of extra time, it seemed like the game was
Here’s one of the most common things I hear from people curious about working with us: “Well, financial Advisor John Smith manages a few of my accounts…but…I’m reaching out because I feel like his team
Markets have been incredibly volatile to start 2022. Each day continues to bring unique bounces up and down to a near-historic level intraday for those of you watching. (Tip one – don’t) Scary right? Not
Money is the number 1 thing couples argue about. A poll of over 2,000 British adults by legal firm Slater and Gordon found that money worries top the list of reasons why married couples split
I asked a ‘Dragon’ from Dragon’s Den what his definition of True Wealth was. This was his response.
Richard Farleigh is an ex-hedge fund manager, chess champion and wildly successful businessman. He appeared as a “Dragon” in the popular TV show Dragon’s Den (the UK version of Shark Tank) and has been listed
This is one of our most frequent questions from clients, no matter what their level of family wealth. With the average UK home now hitting £256,000, up 8% over 2020 even in the times of
Many busy professionals have some degree of flexibility with working hours and the work-home balance. This is a great lockdown innovation, but it hasn’t reduced the time pressures to commit to a profession or career.
David Reid worked hard, very hard. But he played hard too – he enjoyed the lifestyle which he had created with his wife Sue and their daughters, Sarah and Emma. David was 50 and he
“21st-century kids are being taught by 20th-century adults, using the 19th-century curriculum on an 18th-century calendar.’ Tom Hierck, Education Consultant Having their kids home-schooled for several months during lockdown gave many parents a rare close-up
Investing in markets is an excellent plan for meeting long-term goals, like maximising your retirement income. And yet, even though the most successful investment principles are simple, they aren’t always easy to understand and accept.
One of the largest financial fears people face is running out of money before running out of breath. Nobody, by choice, wants to end their days living in extreme poverty. The problem is, nobody knows what
Considering the rules and regulations that govern them, dealing with your pension can throw up many questions. Understanding your pensions can help you to live the life you want when you retire. So, to help,
Everybody makes plans. You do it all the time. What to wear to the party. Where to go for the long weekend. Which route to take to the theatre. Life is full of plans, many
As we all age and move upwards along our own earnings curve, many of us fall into ‘lifestyle creep’ whereby our costs increase in line with our new higher income. That’s pretty normal for this
Explore the four important steps for you to take to retire early. This is important because if you get it wrong or change your mind, it may be difficult to re-enter the workplace at a
My first contact with Stephen was when he called Capital in the Spring of 2016. He explained that he and his wife Carol were previously advised by a firm of financial planners, but due to
Are you an equal in your marriage or partnership? This seems like an obvious question to ask, but it isn’t always as clear as we think. What about when it comes to your future? When
Learn about the dangers of inflation and how it can deflate the money in your pocket The long-term effects of inflation can cause crippling financial pain in the course of your lifetime, but particularly at
What would you do if you got a windfall of over £1 million? You may have thought about it a few times whilst daydreaming, of course—but what happens when it becomes a reality? After all,
Dealing with life after losing a husband can be confusing and painful. Emotions run high and low. Following soon afterwards comes a tsunami of financial problems to knock you even further backwards. Few widows are
Freedom, the wind in your hair, the excitement of exploring new places, the anticipation of coming home. Or bumper to bumper commuting, congested traffic, unexpected expenses, and potholes. Your feelings about cars might be accurately
Do you like paying tax? That’s a tough question. Some people see the value in paying their fair share of tax and some people despise having to do so. But what is the difference between
For many years, it’s been traditional for parents to pass down wealth to their children after they die. Clients often set financial goals around leaving a financial legacy or supporting their children when they are
“I have retired now, my life is less complicated, so do I need a financial planner in retirement?” The simple answer is… yes, you do. This is a question that we hear regularly at Capital.
Once you discover how you could benefit from financial planning, the challenge is deciding which financial planner to work with. This could be the difference between a great experience that positively impacts your future, or
There are some things in life that no amount of planning can prepare you for. The death of a spouse is one of them. The circumstances of such a personal tragedy are worse if the
The abundance of online investment information and robo-advisers has many of us questioning if we really need a financial planner. This guide will show you the lifelong value of engaging with a financial planner, and
At one time when you hit your 60s you would hang up your work suit, slide tired feet into some slippers and snuggle up on the sofa watching daytime TV or potter in the garden.
According to the 2015 Investment Association (IA) survey1, assets under management by their members came to £5.5 trillion – that number is over 47 times the annual cost of running the NHS2. The vast majority