There is no panacea when it comes to paying for care

Long-term care provision in the United Kingdom has been the subject of much debate and analysis over the past decade, yet the issue of how to fund the cost of that care for future generations remains unresolved. Much of the debate has revolved around how the State should address the problem.

Interest rate cuts tempting property investors back in to the market

Landlords have been buying more properties in the last quarter according to a survey. The Association of Residential Letting Agents (ARLA) quarterly survey revealed a “bounce back” in the buy-to-let market. In the ARLA members’ survey of the Private Rented Sector (PRS) for the second quarter of this year, nearly twice as many ARLA members reported landlords are buying more properties.

Tracing service may provide the help you need!

If you think you may have an old pension but are not sure of the details, the Pension Tracing Service may be able to help. They will try and match the information you give them to one of the schemes on their database and inform you of the results. If they have made a match they will provide you with the contact address of the scheme(s) and you can get in touch with them to see if you have any pension benefits.

In a low growth environment, which areas offer the best prospects?

Interest rates have fallen to their lowest levels in the Bank of England’s 315-year history and could fall even further, along with further inflationary falls.

Keeping your hard earned assets out of the hands of the taxman

Effective inheritance tax planning could save your beneficiaries thousands of pounds, maybe even hundreds of thousands depending on the size of your estate. At its simplest, inheritance tax (IHT) is the tax payable on your estate when you die if the value of your estate exceeds a certain amount.

With the abundance of choice, we can help you make the right decisions

With so many different protection options available, making the right decision to protect your personal and financial situation can seem overwhelming. There is a plethora of protection solutions which could help ensure that a lump sum, or a replacement income, becomes available to you in the event that it is needed. We can make sure that you are able to take the right decisions to deliver peace of mind for you and your family in the event of death, if you are too ill to work or if you are diagnosed with a critical illness.

Building a solid investment strategy through good and bad times

During this period of economic turbulence, what strategy should investors take? Your own attitude to risk is crucial. You may be comfortable to live with capital risk if it means the chance of a higher return in the end. Alternatively, you may be ‘risk averse’ and don’t want to risk your capital under any circumstances.

Your questions answered

There are a number of different reasons why you may wish to consider transferring your pension schemes, whether this is the result of a change of employment, poor investment performance, issues over the security of the pension scheme, or a need to improve flexibility.

Maximising an income from your pension fund

The earliest you are currently permitted to take your retirement benefits is from the age of 50, but this is set to rise to age 55 from April 2010. If you are considering setting up a conventional lifetime annuity, which pays a secure income for life, there is now no requirement to buy an annuity by the age of 75. However, you must start to take your benefits from the age of 75, in addition to any tax-free element.

Mixed reaction to the latest statistics

There has been a mixed reaction to the latest statistics monitoring take-up of the government’s mortgage rescue scheme. Some reports have focused on the low number of households that have taken up an offer under the scheme. So far, only six households have done so, although more than 5,300 have embarked on the first stage of approaching a local authority to inquire about mortgage rescue.

Easing the financial pressures of a critical illness

A serious illness, such as cancer or heart attack, affects one-in-four women and one-in-five men before retirement age. Critical illness insurance is designed to ease the financial pressures by paying a tax-free lump sum if you become seriously ill or totally disabled. You must normally survive at least one month after becoming critically ill, before the policy will pay out.

Protecting your finances from the return of inflation

Even though the economy has been experiencing deflationary pressures, investors should be very mindful of the return of inflation and the need to factor this into their future plans. Even though inflation may take longer to reach the government’s two per cent target, once there, it could start to rise quickly. As we know, prevention is always better than cure, so what should you be considering today to protect yourself from the return of inflation tomorrow?

Investment solutions for the diverse needs of our clients

We provide solutions for the diverse needs of both our wealthy clients and those who aspire to become wealthy. We provide expertise in financial planning designed to enable our clients to structure their finances as efficiently as possible. One solution that could be very effective when used as part of a diverse investment portfolio is an investment trust.

Make sure that your numbers add up

School fees planning is something that requires a great deal of early thought and preparation. The earlier you start planning, the greater the potential to benefit from investment gains and the greater the choice available about how you can invest in your child’s future education. Having decided to educate your child or children independently, it is important to take appropriate advice to ensure the continuity of their education.

Reducing the risk of acquiring wealth

If you require your money to provide the potential for capital growth or income, or a combination of both, provided you are willing to accept an element of risk pooled investments could just be the solution you are looking for. A pooled investment allows you to invest in a large, professionally managed portfolio of assets with many other investors. As a result of this, the risk is reduced due to the wider spread of investments in the portfolio.