2020-02-28T10:37:41+00:00October 16th, 2019|

Tax efficient life cover for business owners and high earners

Most businesses offer death in service benefits as part of their overall remuneration package. What can often be overlooked is that these schemes are usually set up on a similar basis to a registered pension scheme and could result in additional tax charges of up to 55% in the event of a claim.

Here we highlight how a relevant life policy could be an effective alternative to group life assurance cover.

2020-01-08T14:48:01+00:00October 5th, 2019|

Helen’s Story

"I was coming towards the end of my divorce and I needed someone to help manage the settlement sensibly. It was a very turbulent stage of my life where I was having to make huge decisions."

2020-02-26T13:39:21+00:00September 25th, 2019|

Life assurance – the guaranteed way to cover UK inheritance tax liabilities

Life assurance has proved to be a dependable and non-controversial way to fund future UK inheritance tax liabilities. Can it be as simple as getting through the medical and paying the premiums?

This briefing note looks at the advantages and disadvantages of life assurance and how it can be used to help mitigate UK inheritance tax.

2020-02-28T10:40:15+00:00August 22nd, 2019|

Trade war, what is it good for?

It has been hard to miss the term “trade war” over the last year or so. It has featured regularly in the headlines to describe the ongoing dispute between the US and China. Wars sound ominous, so should we be worried?

We explain why the two nations are now arguing over trade, what the impact might be, and the significance of a 200 year-old history lesson from Thomas Jefferson.

2020-01-08T14:48:10+00:00August 19th, 2019|

Karen’s Story

"I found myself responsible for the family business. After a couple of years, the levels of profitability in the business had significantly increased. That is when we turned to Edison."

2020-02-28T10:40:35+00:00August 12th, 2019|

Defined Benefit Pensions – Should I stay, or should I go?

Defined Benefit (DB) pensions provide secure index-linked income for life. So why are so many people tempted to give up this guaranteed income for life?

Here we highlight some of the reasons why it could be suitable to transfer benefits from a DB pension to a defined contribution (DC) arrangement.

2020-02-28T10:42:42+00:00June 5th, 2019|

This time, it’s about the destination

The prospect of winning or losing can have a great impact on our emotions. Whether we’re looking at casinos or coin flips, evidence suggests our rational decision-making is frequently overtaken by intuition – a process much more open to emotional influence.

For investors, the possibility of gains and losses is often a daily occurrence. We explain one method to steer investors on the more rational path to help achieve both financial and emotional well being.

2020-01-08T14:48:15+00:00April 24th, 2019|

John’s Story

"I was looking for some help because of various changes in legislation, tax, non-domicile and everything else and I wasn't sure that I had either the time or the expertise myself."

2020-02-28T10:42:56+00:00February 15th, 2019|

Are we nearly there yet?

The relentless, thundering rumble of a rocket blasting into space is more than just a spectacular sensory overload. It is the result of planning, scientific know-how and management applied to achieve a goal. We think science and goals matter when it comes to investing too. “Are we nearly there yet?” explains why they are so fundamental to successful investing.

2020-02-28T10:43:10+00:00November 13th, 2018|

Dive in or dip a toe?

Investing large single sums in volatile markets can feel like a leap. An alternative to making one single investment is to spread it over time, known as phasing. It is often deployed as a means of reducing the risk of investing ahead of a dip in the markets. It can feel reassuring to a first time or cash investor for whom phasing addresses the obvious emotional cost of short term drops in value. Here we look at whether phasing actually achieves what it sets out to do.

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The value of investments and the income arising from them can go down as well as up and is not guaranteed, which means that you may not get back what you invested. Past performance is not necessarily a guide to the future. The information contained in this website does not constitute advice. The FCA does not regulate tax advice. The FCA does not regulate advice on Wills and Powers of Attorney. The Financial Ombudsman Service is available to sort out individual complaints that clients and financial services businesses aren’t able to resolve themselves. To contact the Financial Ombudsman Service please visit www.financial-ombudsman.org.uk.