Lifetime allowance

Lifetime allowance

Pensions……there are rules aren’t there? There certainly are and it’s quite likely those rules, to some extent at least, put people off from embracing pensions and using them as a financial planning tool to the fullest extent. One rule that might be on your radar is...
Pensions – contributions and tax

Pensions – contributions and tax

This is my 13th blog as part of our weekly blog series – unlucky for some – but not you, as the reader. It’s my second blog with a focus on pensions.  A recent conversation with a contact similarly aged to me, highlighted the fact that for many, the world of pensions...
Buckets and your savings

Buckets and your savings

Yes, buckets. I like using the 2 bucket method for washing the cars. One for mucky water, one for clean, soapy water. A bit of faff? Trust me, it’s the way forward. How do you manage your money? All in one pot? I was talking someone recently and we talked about 3...
Tax year-end opportunities

Tax year-end opportunities

Tax efficient considerations for everyone ISAs ISAs are available to all and the adult allowance is £20,000 in a tax year There are different types, though most commonly held as cash or stocks & shares. The £20,000 contribution limit applies in total (e.g. £10,000...
Is there a better way?

Is there a better way?

I’d like to think there is almost always, a way to enhance something. Whether that’s cleaning your house, team working, diary organisation, password management or your personal finances. How do you know if you could improve? One way is to talk about it. Who do you...