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
For some, the word trusts conjure up thoughts of super-rich families trying to protect their money, but in fact, many of us use trusts in our routine financial planning. The most used trusts are will
The Chancellor was still speaking at the dispatch box, delivery the eagerly anticipated Spring Budget as the first of many e-mails, text and WhatsApp messages began arriving in my inbox and phone from eager clients.
Have you ever thought to yourself – if I received a £1million windfall what would I do? (Depending on your circumstances, you may need to adapt this to £10million or £100million to make it a
Three prime ministers and three chancellors in as many months, certainly feels chaotic, possibly a bit embarrassing, as well as a little depressing. There is no doubt that the UK could do with some stability, fiscal
A lot of people hear ‘pension’ and think pipe, slippers and old age. While people do often access their pension in old age, they are much more than the first image that pops into our
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
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
Are you proactive or reactive when it comes to your taxes? Although you have a lingering feeling that you might be paying more than you need to and could be taking advantage of some punchy government allowances, you never
I cycle every morning along the north bank of the River Thames into the City of London. I cycle to square off too many carbs, but it’s also become a habit. It’s the single most
Anyone relatively new to investing could be forgiven for thinking that it is a simple game and easy to make money i.e. punt on what is going up most and buy the dips. Perhaps even those
In the summer of 1999, I joined an investment bank to work on their client service team. In four short months I experienced how “putting all your eggs in one basket” can destroy wealth accumulated
My Mother-in-law, Angela is retired and lives in a comfortable apartment in the Home Counties. Her total income is around £26,000 a year, made up of various pensions and modest drawings from a small investment
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.
Let me begin with the motivation for retiring early, which neatly fall into two main camps: What are you running away from? – a bad boss, a boring and repetitive job, the too-long commute, low pay, or
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
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
What does the word retirement mean to you? The time in your life when you choose to permanently leave your working life behind? Or perhaps getting to a position in your life where work is
“There is no greater happiness than freedom from worry, and there is no greater wealth than contentment”. Even now almost 2,500 years later everyone still worries about money, what the future may hold, and the
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
There are various benefits to having a pension, not least to provide a regular and dependable income in later life. Many people reject pensions as a way of saving, and for the most part for
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
“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
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.
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