If you have received an inheritance it almost certainly means that you have lost someone dear to you.

Whilst the money will never replace them, ensuring that the inheritance makes a difference to the standard of living for you and your family, will always keep them close to your thoughts.

Our advisers have experience of how to maximise the impact of the inheritance to meet your short and long-term needs.

Whilst there has been many changes to pensions over the years including state retirement being moved back and back, the human body will not work forever, especially for those involved in physical occupations.

It is true that the earlier you plan for retirement the less painful it should be but any savings can be used towards retirement ahead of or to supplement the state pension.

We are yet to meet a pensioner that says he gets too much pension each year but we do meet many customers who wish they received more.

It has often been said that inheritance tax is a voluntary tax.

This may seem less and less the case as property prices and family wealth improve but the reality is that a bit of advance planning can make a huge difference to the amount of your estate that becomes payable to your nearest and dearest rather than HMRC by way of tax

During our lifetimes we would all like to feel that we can help both family and good causes and to see the outcomes of that help.

There are a number of allowances available to individuals that will help you be able to achieve exactly that. Whilst possibly also helping save tax either during your lifetime or upon death.

Thomas Jefferson was quoted as saying the only two certainties in life are death and taxes.

Despite this nobody likes paying tax and everybody would welcome ideas on how to shelter their hard earned income or savings to potentially reduce one or more taxes that will become payable.

With pressure on public services more and more people are considering private education for at least some of their child’s education.

We can help plan the best ways to service those fees as they become due to allow you to spread the burden ahead of time.

It is often a big step to leave a paid job to set up your own business. We have many years of experience of working with clients that have done just that and can share with you what has worked well and some of the pitfalls to be aware of.

Whilst this will be the most rewarding and trying times of your life you will feel easier knowing that the family income and home are secure in the event of any unexpected events.

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