Nine suggestions for your bucket list

Posted by siteadmin on Thursday 6th of April 2017

Bucket lists are, of course, very individual things. We will all have places that we want to travel to and things that we want to do which don’t necessarily chime with everyone else’s goals. However, bucket lists can also be surprisingly difficult to generate! The things that you really want to do one day might be completely different the next day. Remember being a child in a sweet shop? It’s a similar thing when you begin to consider all of the possibilities for one-off events, amazing travel or rewarding experiences.

To help you to think ...

The New Inheritance Tax?

Posted by siteadmin on Thursday 6th of April 2017

Is the probate fee rise the ‘new inheritance tax’?

When someone dies and leaves a will, an executor is usually appointed in the will to deal with the deceased person’s estate – their money, property and possessions. Before they’re able to do this however, the executor has to apply for a ‘grant of probate’. This means they are legally allowed to distribute assets from the estate as outlined in the will. Without probate, the executor has no authority over bank accounts, mortgages or other financial matters.

At the moment, the probate fee is ...

Which is best – save or invest?

Posted by siteadmin on Friday 3rd of March 2017

Whilst you might expect an increase in the cash and investment ISA limit to be welcomed, at least one dissenting voice has come from Steve Webb, former Pensions Minister and current policy director at Royal London. Webb has warned that the rise in April from the current annual limit of £15,240 up to £20,000 could encourage poor long-term investment choices.

The criticism is aimed at the cash element in particular. Webb has described cash ISAs as useful as a ‘rainy day fund’ but unsuitable as a way to help invested money grow. As such, he’s ...

Are tax bills set to rise?

Posted by siteadmin on Friday 3rd of March 2017

A recent report from the Institute for Fiscal Studies (IFS) suggests that the amount of tax paid in the UK is set to rise to levels not seen for thirty years.

Plans by the Chancellor, Philip Hammond, to increase tax rates and reduce public spending in order to fill the £34 billion hole in the budget, will mean that over 37% of the UK’s national income will come from tax receipts, a figure not seen since 1987.

According to the IFS, the Chancellor’s decision to scrap the plans of his predecessor, George Osborne, to balance the country’s book...

March Market Commentary

Posted by siteadmin on Friday 3rd of March 2017


Last month was the month when it was almost impossible to keep up with the stories coming out of the White House. There are so many stories coming from the US – some real and some fitting the new description of ‘fake news’ – that it’s hard to find the important stories among the background noise.

What’s undeniable is that the economic initiatives from the new President and his team have been warmly welcomed on Wall Street. As we’ll see below, the Dow Jones index enjoyed a successful month – as did the vast majority of the mark...

What does the future hold for the triple lock?

Posted by siteadmin on Thursday 2nd of February 2017

The ‘triple lock’ on state pensions has protected the older generation’s income since 2010, guaranteeing that pensions will rise each year in line with the highest of either the average earnings, the consumer price index, or 2.5%. But the triple lock’s days look increasingly numbered, with an increasing number of financial and political figures calling for it to be scrapped.

Back in November 2016, the Work and Pensions Committee criticised the triple lock, describing it as both “unfair” on the younger generation and “unsustainable” in the l...

4 saving habits of millionaires

Posted by siteadmin on Thursday 2nd of February 2017

There are no shortcuts or guarantees when it comes to achieving self-made millionaire status. That said, it can’t hurt to look at the habits of those who have managed to do just that to try and boost your own prospects. Many of our clients are millionaires, so here are our top tips which might just lead to you being worth seven figures in the future.

  1. Don’t rely on your savings – The current economic environment makes it very difficult to become wealthy through saving, so increasing your income is an obvious but good way to boost your net ...

February Market Commentary

Posted by siteadmin on Thursday 2nd of February 2017


Despite the claims of Brexit and the debate on triggering Article 50, it is impossible to start this commentary anywhere other than in Washington where, on January 20th, Donald Trump was inaugurated as the 45th President of the United States.

It is remarkably difficult to find a news outlet that has a neutral view of ‘the Donald:’ however, we’ll do our best in this commentary to stick to the facts and let you form your own opinions…

So far the new President is looking to make good on his pledge of “only America first:” he’s p...

January Market Commentary

Posted by siteadmin on Monday 9th of January 2017


At the start of 2016, Brexit was seen as unlikely and President Trump was seen as impossible. David Cameron was busy negotiating a deal with his European counterparts which would surely secure a comfortable majority for the ‘Remain’ camp – and while Donald Trump might manage a few wins in the primaries, he’d eventually give way to one of the mainstream Republican candidates, who would in turn be beaten by Hillary Clinton.

We all know what happened and with elections due next year in Holland, France and Germany 2017 could be eq...

Retiring in England? Here are some of the top destinations

Posted by siteadmin on Monday 9th of January 2017

Whilst the impact of Brexit is yet to be known, one thing that may become trickier is relocating to the European continent after the UK leaves the EU. It’s a change that will affect those at the end of their working life, as in the past many have chosen to live outside the UK for their retirement years. Whether your plans to move to Europe have to be shelved, or you were always intending to spend your retirement in the UK, there are plenty of popular retirement destinations throughout England to consider. Here are some;

North Yorkshire’s ru...