One of the first questions we are asked by prospective clients, is ‘how much does your advice cost?’. This is of course a perfectly reasonable question. In this article, we will look at the typical ways Financial Advisors charge and the range of costs people may come across when shopping around for financial advice.

Without being too morbid, life expectancy affects all of our plans. From how much we need to retire, when we can retire to annuity rates and care funding, we all need to understand the arc of life and make plans accordingly. The question is though, what is the life expectancy for men and women in the UK?

In recent years, the FCA has turned their attention to the role financial services plays in combatting climate change. The FCA wants to help market participants manage the risks of moving to a low carbon economy while capturing opportunities to benefit consumers.

Capital Gains Tax (CGT) is a potential target for reform to start to recoup the significant costs of the pandemic. The recommendations put forward by the Office of Tax Simplification (OTS) in its review of CGT, which were published on 11th November, have created quite a stir.

Pension tax relief is a ‘bonus’ paid by the government on money someone pays into their pension. At present, how much tax relief you receive is dependent on what you earn and what your highest rate of income tax is.

We are seeing an increased number of queries from clients concerning Bitcoin and other cryptocurrencies and, as they are such a new concept, we thought it would be useful to provide a short primer and answer what bitcoin is and how it works?

A pension is a type of investment that aims to provide an income when an individual retires. In the UK, individuals can have a private pension, employers can provide a pension and the government may also provide a pension, as long as certain criteria are met.

A divorced woman may be able to substitute her ex-husband’s National Insurance record for her own up to the date of their divorce when working out her Basic State Pension, thereby increasing her own entitlement.

When you’re looking to invest in shares or bonds, you may think about putting your money into one or more funds. You can find funds which invest in a wide variety of markets and sectors. But wherever you invest, your fund managers will take one of two basic approaches to managing your money: active or passive investing.

The terms ‘responsible investing’ and ‘sustainable investing’ are often used as a catch-all to describe investments made with social, environmental, or other responsible or sustainability criteria in mind.

Pensions are normally exempt from Inheritance Tax (IHT). So with the right planning, pensions can be used as an effective way of passing on money after your death without incurring or increasing your IHT bill.