Personal advice guides

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As with all aspects of our service we aim to work with our clients to enable them to maximise their wealth and to build value and security for the family as well as the business. We find that our clients enjoy participating in the planning process and hence our commitment to this content-rich website.

Keeping our site up-to-date
Our site is always up-to-date and designed to provide our clients with an informed and timely service to complement our range of client services

Planning does not end with looking at these six Personal Guides. Having identified the areas that are of specific interest, please contact us in order that we can discuss how we can work together to enhance your overall wealth creation plans.

9 December 2009 Pre-Budget Report

Our website in this section has been updated to take account of the announcements made on 9 December 2009

An Introduction to personal financial and tax planning

Intro to the tax system: Tax law is more complicated than ever. As a consequence tax planning is more important than ever before. We are available to guide you through all aspects of the tax system.
Planning aspects: Planning is bringing the future into the present so that you can do something about it now.
Home aspects: The importance of careful planning extends to your home life as well as your business
Recession news centre: We have a range of up to date articles and commentaries on the effect of the recession on small businesses, banks, lending and saving, the economy and pensions and investments.

Aspects of investments and investing: How much do you need to save? What saving is tax-efficient? When will you be a millionaire?
Pensions: What has happened to your retirement planning? When will you retire? How much will you need to live comfortably?
VCT and EIS: Subscribers to VCT investments are eligible for tax relief of up to 30%. Professional advice must be sought before making investments that qualify for these reliefs.

Upcoming deadlines

Apr 05 2010	ISA date Last day to use the 2009/10 ISA investment limit of £7,200 or £10,200 (over 50s)
Apr 06 2010	Increase in annual allowance and lifetime allowance Annual allowance increases from £245,000 to £255,000 - the lifetime allowance increases to £1,750,000. These allowance limits are to apply to 5 April 2016 ISA allowance increases for those 18-49 ISA allowance increases to £10,200 for all taxpayers 18 and over. The cash ISA limit included in this limit is £5,100.

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