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Downloads - Archive

Guide to BUILDING FINANCIAL WEALTHGuide to BUILDING FINANCIAL WEALTH - Six tried and trusted principles to help you reach your investment goals

If you're new to investing, knowing where to start can be a daunting task. The reality is that people should start saving and investing as early as possible. The growth of savings and the power of compounding gives an enormous head start to those who can put money aside and invest in the early stages of their lives and careers - and building an investment portfolio is one proven way to grow money and wealth.

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Guide to ESTATE PRESERVATIONGuide to ESTATE PRESERVATION - What will your legacy look like?

Welcome to a Guide to Estate Preservation. This is an important part of wealth management, no matter how much wealth you have built up. It's the process of making a plan for how your assets will be distributed upon your death or incapacitation. This subject doesn't only affect the very wealthy. Inheritance Tax, in particular, is becoming more of an issue for many of us due to rising house prices and complex family situations. Making provision for your loved ones is an essential part of managing your estate and assets. When you have spent an entire lifetime building up your personal wealth, you'll want the comfort of knowing that upon your death your estate will pass into the hands of your chosen beneficiaries and not into the hands of the government.

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Guide to THE STATE PENSIONGuide to THE STATE PENSION- What will I receive from the state in my retirement?

The State Pension is a vital source of income for millions of retired people across Britain. However, the system can be complex and it's important that you know how it works. If you're looking to maximise your income in retirement, a good place to start is with your State Pension.

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Guide to SELF-INVESTED PERSONAL PENSION SCHEMESGuide to SELF-INVESTED PERSONAL PENSION SCHEMES

Welcome to our Guide to Self-Invested Personal Pension Schemes. Saving for your retirement is one of the longest and biggest financial commitments you will ever make. Imagine you are retiring today. Have you thought about how you are going to financially support yourself, and potentially your family too, with your current pension savings? If appropriate to your situation a Self-Invested Personal Pension (SIPP) could be an option to consider as part of your overall retirement planning. A SIPP may be appropriate for you if you're confident making your own investment decisions and managing your pension payments against the relevant allowances.

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Guide to PENSIONS ON DIVORCENovdember December 2021 Newsletter - HOW CAN I PROTECT MY WEALTH FROM INFLATION?

Welcome to our latest edition. This issue was written prior to the Chancellor of the Exchequer, Rishi Sunak, presenting the second UK Budget of 2021 on Wednesday 27 October. We will look at the key announcements included in the Chancellor's red box in the next issue. Inside, 'How can I protect my money from inflation?' is a question that many people may be asking themselves right now. In the current economic climate, rising inflation is becoming a concern for people with savings and investments. The effect means you're potentially earning less money due to your hard-earned cash becoming worth less as time goes by. The negative impact of inflation upon the real value of an investor's portfolio will be a concern, particularly for the older generation with not enough investments, who may live mostly or entirely off their savings and pensions. On page 04 we consider five questions you should ask yourself before inflation takes off..

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Guide to NEW YEAR 'INVESTMENT'RESOLUTIONSNavigating the choices planning for the future brings

Welcome to our Guide to New Year 'Investment' Resolutions. Like millions of Britons, you've probably made some New Year's resolutions. Now you need to figure out how to make them become a reality. Having a personal lifestyle financial plan in place early will make it easier to manage your money further down the line. With so many savings and investments options out there, you might feel confused about what's the right choice for you. That's where we step in to help. It's never too early to start to plan. The sooner you work out your goals and start following a plan to achieve them, the more likely you are to succeed. A personal lifestyle financial plan is now more important than ever. In these difficult economic times, people need to be aware of how to better manage their money and generate new sources of income in order to survive and thrive in today's world. A solid personal

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Guide to RETIREMENT PLANNINGGuide to POST-COVID-19 RETIREMENT PLANNING - Pandemic leads to changes in future retirees' plans

Welcome to our Guide to Post-COVID-19 Retirement Planning. Every day the barrage of COVID-19 news has been unrelenting. The impulse to react, and to protect what we have, is understandably strong. The pandemic outbreak and resulting financial fallout have caused considerable financial stress for many, making it difficult to decide about how and when to retire.

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Guide to GETTING MY FINANCES IN ORDERGuide to GETTING MY FINANCES IN ORDER

When it comes to making financial decisions, you don't have to go it alone The coronavirus (COVID-19) pandemic outbreak has affected people in various ways. However, this has undoubtedly been a time for contemplation surrounding our personal finances. Many have taken the new-found time at home to conduct a review of their finances, to assess necessary and unnecessary expenditure. While uncertainty with the job market continues, a tighter grip on finances is key.

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Guide to PENSIONS ON DIVORCEGuide to PENSIONS ON DIVORCE - Navigating through uncertainterritory

If you're going through a divorce, dividing up any pensions you have will usually be one of the largest financial decisions you need to make. Agreeing financial arrangements in your divorce can seem daunting; there are so many misconceptions and myths as to what each party is entitled to that it gets confusing. The rules surrounding dissolution of a registered civil partnership are the same as those for divorce. In this guide, we use the term 'divorce' to mean the end of a registered civil partnership as well as the end of a marriage.

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Guide to INVESTMENT INSIGHTSStaying focused on long-term economic and market expectations.

Welcome to our Guide to Investment Insights. Coronavirus (COVID-19) is impacting societies and markets around the world. As concerns over the pandemic continue to dominate headlines, cause volatility in the market and subsequently shake confdence, it is perfectly normal for investors to become nervous, question their investment approach and concentrate on the potential for short-term losses over their longerterm investment strategy.

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 Investing in an unpredictable world Guide to Investing in an unpredictable world

In our Guide to Investment Diversification, we consider why diversification is an important part of investing. In practical terms, diversification is holding investments which will differently to the same market or economic event. Generally speaking, there are four broad asset classes: cash, fixed interest (bonds), property and shares (equities).

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Tax Planning Guide March 2020Guide to Tax Year End Planning tax Year 2019/2020

Tax is never a one-size-fits-all approach: each taxpayer and each year will be different. And with the current tax year-end approaching, this is a perfect timeto carry out a tax health check and implement any planning opportunities before the end of the 2019/20 tax year.

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Investing for the futureGuide to Investing for the Future

Making the right choices to invest for your future can seem complex. But with the right investment strategy in place we can ensure you are able to make informed decisions to secure the financial future you want. We will help you work out exactly what you want to get out of your investments, set realistic targets and keep you on track.

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Planning for RetirementGuide to The Final Retirement Countdown

A better tomorrow starts with understanding today. When the future is unclear, the thought of retirement may well feel more daunting than exciting. Our retirement planning service can help you build the wealth you need to achieve the retirement you deserve.

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Asset Allocation September 2018Guide to Tax Matters 2019/20

In this guide we set out the main tax changes that apply to the 2019/20 tax year, which commenced on 6 April 2019. Reviewing your tax affairs to ensure that available reliefs and exemptions have been utilised, together with future planning, can help to reduce your tax bill.

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Asset Allocation September 2018Guide to Wealth Preservation

Our advice can help you preserve and protect the wealth you�ve amassed through hard work, inheritance or good fortune. Inside our guide, we look at the number of key areas that will enable you to put in place an effective protection planning strategy to preserve and protect your wealth for you and future generations.

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Asset Allocation September 2018Guide to The Final Retirement Countdown

If you are aiming to retire within the next five years, it�s time to get into the mindset of considering the practicalities of fulfilling your desired lifestyle and making plans. While you should think about retirement planning as early as possible, the five years leading up to retirement are critical.

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Protection Planning September 2018Guide to Protection Planning

Welcome to our Guide to Protection Planning . Inside we look at the number of key areas that will empower you to put in place an effective protection planning strategy to preserve and protect your wealth for you and future generations.

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Investing July 2017Guide to Investing

Welcome to our Guide to Investing. Creating and maintaining the right investment strategy plays a vital role in securing your financial future. Whether you are looking to invest for income or growth, we can provide the quality advice, comprehensive investment solutions and ongoing service to help you achieve your financial goals.

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Long-Term Care 2017Guide to Long-Term Care

Rising life expectancy brings with it the challenge of how we fund our future care costs. The question is: who is responsible for looking after us if we need care in old age?

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Investing and Inflation 2017Guide to Investing and Inflation

Rising inflation is a concern to investors, as changes in inflation and interest rates affect various asset types in different ways. This is an especially important issue for retirees living on a fixed income.

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Retirement Planning 2017Guide to Retirement Planning

Welcome to our Guide to Retirement Planning. The pension freedoms rule changes mean that we'll be increasingly in charge of our pensions, both while we're building up our retirement pot and when we start to draw an income. It's therefore more important than ever to plan our retirement saving from an early age.

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LISA 2017Guide to LIFETIME ISA 2017

The start of the new tax year on 6 April 2017 saw the launch of the Lifetime ISA (LISA), which was announced in the 2016 Budget. This is a new type of Individual Savings Account (ISA) designed to help you save for a first home or for your retirement at the same time. To be eligible, you have to be aged between 18 and 39 years old (up until your 40th birthday).

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Brexit 2017Guide to Brexit 2017

Brexit has created an air of uncertainty, and no one really knows what's coming next or what it could all mean in the long term. On 29 March, Prime Minister Theresa May triggered Article 50 of the Lisbon Treaty in a letter to EU Council President Donald Tusk, starting two years of divorce proceedings..

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Year End Tax Planning2016/17 Year End Tax Planning

We provide suggestions for further consideration and discussion, enabling you to arrange your taxes, investments and wider financial affairs to reduce current and future tax liabilities. Please keep in mind that everyone’s tax situation is different. Before implementing any of the strategies discussed here, you should obtain professional advice.

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New Year Wealth PlanningNew Year Wealth Planning

Welcome to our Guide to New Year Wealth Planning. The start of a new year enables you to reassess and critique your financial plans and goals to ensure that you know where you are and where you should be. It means you can also put in place new strategies or update existing ones to achieve the outcomes you are expecting. It means you can work towards and meet deadlines and allocate sufficient time to completing these financial objectives.

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Active and Passive Investment ManagementA Guide To Wealth Management

Welcome to our Guide to Wealth Management. Our personalised approach is designed to help us understand your wider ambitions and objectives for your wealth, whether you want to generate an income that supports your lifestyle, family and retirement plans; need help to pass your wealth on to future generations; or fund your ambitions, from personal legacies to philanthropy.

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Active and Passive Investment ManagementA Guide To Professional Financial Advice

Few of us really have the time or inclination to understand the vast number of different investment products available on the market and consider what the best options are to suit our particular objectives. To do this effectively, it would need to become a full-time job.

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Active and Passive Investment ManagementA Guide To Investment Matters

Anything is possible when you manage your money the right way. Whatever your goals in life are, careful planning and successful investing of your wealth can help you get there. Investments can offer both risk and return, and generally the bigger the risk the greater the potential return.

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Active and Passive Investment ManagementProtecting Your Financial Plan

Welcome to our Guide to Protecting Your Financial Plan. The right professional financial advice can give you the freedom to live life on your terms, and key to this is safeguarding your financial security by making sure you have adequate protection in place to care for the people and things that matter.

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Active and Passive Investment ManagementA Guide To Lifetime Allowance

The Government has introduced comprehensive reforms to the pension rules over the previous few years. One important change, which may have been overlooked by some savers, is the reduction of the Lifetime Allowance that applies to pension savings. This further reduction means that you may be affected.

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Active and Passive Investment ManagementActive and Passive Investment Management

If you are looking to invest in shares or bonds, you may think about putting your money into one or more managed funds. Managed funds are pooled investments that contain different securities, so you reduce the risk of holding just a few individual shares or bonds.

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New Pension FreedomsGuide to Investment Plannning

Welcome to our Guide to Investment Planning. Money, of course, plays an important role in our lives. While it's not everything, it can help you achieve your goals and gives you greater choices and freedoms. That's why it's important to increase our financial intelligence to learn how to build greater wealth.

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New Pension FreedomsGuide to Protecting You & Your Estate

Welcome to our Guide to Protecting You & Your Estate. Making sure that you've made plans for after you're gone will give you peace of mind. It's not nice to think about, but it means that your loved ones can carry out your wishes and be protected from Inheritance Tax (IHT).

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New Pension FreedomsGuide to Your Options At Retirement

Welcome to Your Options At Retirement. Whether you plan to retire fully, reduce your hours gradually or to carry on working for longer, you can now tailor when and how you use your pension and when you stop saving into it to fit with your particular retirement plans.

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New Pension FreedomsGuide to Retirement Plannning

Welcome to our Guide to Retirement Planning. Pension freedoms have transformed the pension landscape, giving more choice than ever before in shaping retirement plans to best meet our individual needs and circumstances.

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New Pension FreedomsGuide to The Lifetime Individual Savings Account

In the March 2016 Budget, the Chancellor announced major improvements to Individual Savings Accounts (ISAs) with the introduction of a new Lifetime Individual Savings Account (LISA) from April 2017, designed to help young people save flexibly for the long term throughout their lives. The aim is to help them simultaneously save for a first home and for their retirement without having to choose one over the other.

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New Pension FreedomsGuide to The Budget 2016

Chancellor of the Exchequer George Osborne delivered his eighth Budget speech on Wednesday 16 March, his third in 12 months. In our summary of the key announcements, we consider how they could impact on your finances today and in future years to come.

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New Pension FreedomsGuide to The New State Pension

The State Pension changed on 6 April 2016. If you reached State Pension age on or after that date, you'll now receive the new State Pension under the new rules. The aim of the new State Pension is to make it simpler to understand, but there are some complicated changeover arrangements which you need to know about if you've already made contributions under the previous system.

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New Pension FreedomsGuide to Investing 2016

Successful long-term wealth creation requires the right balance between shares, bonds and other investments. In Guide to Investing in 2016, we consider a number of different solutions available to you, and each section explains the basic facts. There are a number of factors you should consider before deciding on what kind of approach is most suitable for you. These include the purpose of the investment, the length of time your money can be tied up for and your attitude to risk.

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New Pension FreedomsGuide to 2015/2016 Tax Planning

Tax is a highly sensitive subject for most individuals. In this guide, we consider a number of tax planning and wealth strategies. The start of a New Year is the perfect time to take stock and think about how you can improve your financial position and ultimately structure your affairs so that you don't have to pay more tax than you legally have to, especially as we're in the run-up to the tax year end on 5 April 2016.

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New Pension FreedomsGuide to The Spending Review and Autumn Statment 2015

On Wednesday 25 November 2015, Chancellor George Osborne presented his Spending Review which set out what government spending will be over the next four years, while the Autumn Statement updated his plans for the economy. Compared to the summer Budget 2015, the Office for Budget Responsibility now forecasts higher tax receipts and lower debt interest, with a 27 billion improvement in the public finances.

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New Pension FreedomsGuide to New Pension Freedoms

Whether you're saving for old age, about to retire or already have, you need to give your pension some attention following the announcement of the new pension freedom reforms. Perhaps most important of all were the changes announced in the 2014 Budget, which mean many more will now be able to retire and withdraw money from their pension without buying an annuity.

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Wealth GoalsGuide to Wealth Goals

Reaching wealth goals and achieving personal ambitions are major objectives of the financial planning process. In order to make plans for the future, you need to know where you are today and where you want to be in the future.

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Diverse Investment PortfolioGuide to Creating A Diverse Investment Portfolio

Welcome to our Guide to Creating a Diverse Investment Portfolio. Don't put all your eggs in the same basket is probably the best known proverb advising investors about the importance of portfolio diversification to spread and reduce risk.

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Inheritance Tax PlanningGuide to Inheritance Tax Planning

Welcome to our Guide to Inheritance Tax Planning. Few taxes are quite as emotive as Inheritance Tax (IHT). The structures into which you transfer your assets can have lasting consequences for you and your family. We can help you choose structures and trusts designed to protect your assets and give your family lasting benefits.

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Budget 2015Guide to the Budget 2015

In his final Budget before May's general election, the Chancellor of the Exchequer, George Osborne, announced tax cuts for first-time buyers, workers and savers, and claimed Britain was after five years of austerity. In our Budget 2015 Summary, we have provided information about the key announcements but primarily look at the main areas around financial planning.

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New Individual Savings Accounts 2015A guide to New Individual Savings Accounts

The NISA way to grow your tax-efficient wealth.

If you are keen to take advantage of the New Individual Savings Account (NISA) allowance, increased to £15,000, and make the most of your tax-efficient savings, the time is running out. You only have until 5 April to fully utilize your 2014/2015 NISA allowance, after which it will be lost forever.

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Pensions Consolidation 2015A guide to Pension Consolidation

Bringing all of your separate pension plans together into one single pension pot.

Few of us today remain in the same career throughout our working lives. The result is that many people may have a number of different pension pots from previous employers. However, combining them into one single pension could make real financial sense.

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New Pensions Freedom 2015A guide to New Pensions Freedom

Giving people more confidence to save into a pension.

Welcome to our Guide to New Pensions Freedom. The Government's flagship pensions freedom policy comes into force on 6 April 2015 and will give far greater flexibility over what someone can do with their pension. The new rules should give people more confidence to save into a pension because they will retain much more control over their money.

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Auto Enrollment 2014A guide to Asset Allocation

Balancing risk and return by apportioning your portfolio's assets through different life stages.

The aim of this guide is to give a brief outline of asset allocation, an investment strategy that attempts to balance risk versus return by adjusting the percentage of each asset in an investment portfolio according to the investor's risk tolerance, objectives and investment time frame.

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Auto Enrollment 2014A guide to Inheritance Tax

Effective solutions designed to protect your assets and give your family lasting benefits in an uncertain world.

Inheritance Tax (IHT) in the UK may be one of life's unpleasant facts, but with the appropriate IHT planning and professional advice, we could help you pay less tax on your estate. The aim of this guide is to provide a brief outline of IHT, a subject that was once something that only affected very wealthy people.

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