Protection with relevant life cover

Tax-efficient insurance for business owners. 
Arranging relevant life cover can save money for business owners and their staff. As an employer, you want to ensure your employees have the benefits needed to incentivise them to join your business and stay, and there is arguably no benefit more important than a good life cover p

The rise of stocks and shares ISAs

Low interest rates fuel spike in demand.
After more than a year of COVID-19 restrictions, many people have more disposable income than they’re used to. But with the Bank of England’s base rate of interest at a record low of 0.1% offering paltry incentives for saving in cash, increasing numbers of savers are turning towards investing in ISAs in search of better returns. 

Wealth Knowledge, July 2021

Home movers fuel spike in mortgage borrowing as prices rise
A record proportion of mortgage borrowing in the first three months of the year was fuelled by home movers as the ‘race for space’ hotted up. 
The Financial Conduct Authority said this group accounted for 42% of total mortgage lending – the highest proportion since records began in 2007. 

Can you afford to start a family?

The full costs of raising children surprise many. 
Moving out of your parents’ home for the first time, stepping onto the property ladder, getting married, and deciding to start a family are each big life events. 
You’ll likely crunch some numbers when considering any of them but when it comes to starting a family, it’s more opaque, more emotive and more expensive.

The Lifetime Allowance

How might the big freeze affect you?
Most people get nowhere near breaching the pensions lifetime allowance, but that’s likely to change over the next five years. 
The lifetime allowance is currently £1,073,100. This is a limit on the amount of pension benefits you can withdraw from all of your pension schemes – whether as lump sums or retirement income – without triggering an extra tax charge of up to 55%.