Have you read our Rat Race article? You can find it on our Home page. It says it all really. ‘Fail to Plan, Plan to Fail’. It’s got to be your life ethos. We are experienced planners and it’s our job to make sure you formulate your plan. After all, it’s your life to be lived. What would you be doing if money and time were no object? What would be your biggest regret if you died tomorrow? Do you have a plan?

There are so many ways you can protect yourself and your family against financial hardship in the event of death, illness or loss of earnings. The key to any protection is assessing the probability of its requirement. It’s often hard to see the benefit of protection until it is needed, and then it’s too late. It can be scary to talk about and ask yourself those questions. But when is it the right time to get serious?

There are so many ways you can protect yourself and your family against financial hardship in the event of death, illness or loss of earnings. The key to any protection is assessing the probability of its requirement. It’s often hard to see the benefit of protection until it is needed, and then it’s too late. It can be scary to talk about and ask yourself those questions. But when is it the right time to get serious?

Long term care seems a long way off, it’s really about planning ahead but only at the right time, and it’s not for everybody. We’d all like to be sure that our wellbeing is taken care of in the later years without burdening our family unnecessarily or by eating into any inheritance. It’s a fine balance and not something people like to think about. Morbidly speaking, we are all going to die at some point. The best case scenario being that we have many healthy and happy years before we suddenly pop off peacefully in our sleep. Possibly though we might become infirm or lose those illustrious marbles! I’d like to think I’ve got a plan for every most eventualities, have you?

So, you know all that hard work you put in for 50/60 years or so …..Well yeh even though you paid tax on it already you are going to pay some more of it over to the government when you die (if you did really well for yourself). It’s not fair is it? Understanding inheritance tax rules and ways of mitigating inheritance tax is complex. Again, the balance has to be right.

Tax rules are there to keep our society ploughing along nicely and provide support to those in need. However, our primary concern is supporting you and your loved ones through one of the most difficult things they will ever experience, the death of a parent. Inheritance tax planning isn’t just about the money, it’s about making that experience as financially stress free as it can possibly be. Do you even know what your IHT liability might be? So what are you going to do about it?

I’m already starting to snore. It’s complicated, boring and yet essential if you want to ensure the right people are looking after your affairs upon mental impairment or death, if you want to ensure that the right people have access to the right assets to the right time, or if you want to ensure that you have taken reasonable steps to manage your tax liabilities. We can explain it like human beings, if you think you might need it, best come to us.

Really important things that enable people to buy houses. It’s as a simple as that until you start looking at all the different options. All it takes is a sit down, an analysis of financial situation and a good long hard look at the marketplace for you – and you’re off living in that home you’ve always dreamed of. We don’t actually provide advice on mortgages but we have links to dedicated advisers who do. Would you like to get it sorted?

How brilliant to have a ‘rainy day’ fund. It gives you that peace of mind that if you really needed something one rainy day, you only have to dip into your rainy day fund to get it. But how accessible is your rainy day fund? Is it protected against financial loss should wherever it is saved get into financial difficulty? Is you rainy day fund too much or too little for your requirements? What are you saving for? As a society we are conditioned to save, save, save. But do we need to be frightened about spending some of it? Could we structure it better to suit our requirements? Let’s find out.