Insights & News

What businesses and farms should know about IHT

HM Government have confirmed significant inheritance tax (IHT) to take effect in April 2026 (for property reliefs) and April 2027 (for pensions). These changes could affect not just farmers, but all businesses that have substantial assets.

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Supporting a vulnerable client through later-life financial planning

Clara, an elderly widow, has been working with us for several years. Due to her age, we treat her as a vulnerable client, and her daughter has been involved in meetings to provide support and ensure her best interests are upheld. It became apparent during the meeting that the client was finding it increasingly difficult to manage the details of her finances...

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Could your cash be working harder?

Cash is essential – but it can sometimes pose as a silent risk depending on how you choose to hold it at different stages of your life. While it’s perfect for having an emergency stash or a short-term fund to reach for, holding too much could end up costing you in the long run.

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YOLO - making every moment count

Acronyms can be confusing - like mistaking LOL for “Lots of Love” instead of “Laugh Out Loud.” However, once learnt, they often carry a deeper meaning.

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How to support your family's financial future

Life changes fast, whether it is rising living costs, new tax rules and more complex family situations. That’s why more families are turning to financial planning.

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Carrying too much? How financial advice can lighten the load

We all accumulate so much over time – responsibilities, financial worries, family concerns. As we move through life, money plays a role in nearly everything we juggle. Without a clear plan, managing it all can feel overwhelming. That’s where we come in.

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The Power of Taking Action - your financial future starts now

It’s easy to feel stuck, but the reality is that success – whether in career, relationships, or finances – comes down to two things: attitude and action.

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Spring Statement 2025: What does it mean for you?

On 26th March 2025, Chancellor Rachel Reeves delivered the Spring Statement, which had been positioned as a low-key fiscal update, with the government maintaining that the primary economic event of the year remains the October Budget.

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Making voluntary National Insurance contributions for gaps back to 2006

If you think you have gaps in your National Insurance (NI) record to qualify for a full State Pension, you can make voluntary contributions to cover missing years all the way back to 2006. However, after 5th April 2025, this window closes. You will then only be able to make contributions for the previous six years.

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