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...
Pension consolidation?

Pension consolidation?

I wrote a blog with a brief introduction to pensions back in July’20, so if you’re a little rusty, take a quick read here. I’m 39 at the time of writing and with each of my 6 employers to date, I’ve started a pension. 5 of them were defined contribution (DC) schemes,...
Keeping it simple

Keeping it simple

I’ve had some very interesting discussions recently, with clients, potential clients and fellow professionals and more often than not, keeping things simple is the answer. The world of finance, like many industries is awash with jargon, acronyms and long words. Most...
Managing your money – DIY or use a professional?

Managing your money – DIY or use a professional?

For many things in life, you have a choice – do it yourself or getting someone else to do it. From cleaning your car, to investing your money, decorating your house and marketing your business. The choice is yours – but there are a multitude of reasons influencing...