It might not always be obvious you need to do a tax return, especially if you have always paid tax through PAYE, or have not been a higher-rate taxpayer.

You must send a tax return if, in the last tax year (6 April to 5 April), any of the following applied to you:-

• you were self-employed as a ‘sole trader’ and earned more than £1,000 (before taking off anything you

There seems to be bad news on a daily basis, but remembering it was ever thus can be difficult. There is something in the phrase “ignorance is bliss”, but then how do you stay informed? Our team give their strategies for keeping a healthy sense of perspective.

Personally, as much as I love listening to the radio, during covid the constant repetition of the same bad news

According to research*, 81% of the UK’s wealthiest individuals are ‘stressed’ about their finances, suggesting financial wellbeing is about more than just the totality of your wealth. So, virtually everyone has concerns about what their financial future will look like.

Planning for the future

The prime concerns for individuals centred around future planning and

The state pension triple lock was introduced in 2011. The 'triple lock' is a commitment to increase State Pensions by whichever is highest of average earnings growth, CPI inflation, or 2.5%. The government is only legally required to increase the basic and new State Pension each year at least in line with average earnings, but to drop the triple lock would be a politically

With the UK in the midst of a sharp tax-raising drive, understanding the full impact of fiscal changes on investments has arguably never been so critical. One area that has been subject to particularly draconian reductions is Dividend Allowance, with changes in this area likely to have a significant impact on many investors.

Six-year slide

The annual tax-free Dividend

Traditionally, people might have assessed their financial health by simply checking the balance on their bank account or totalling their amassed level of wealth. In recent years, however, a different measure has emerged which seeks to balance financial stability with emotional wellbeing.

Financial empowerment

This new concept places greater emphasis on goals and

We understand that fatherhood comes with lots of financial responsibilities and juggling them all can be overwhelming. With Father’s Day coming up, we wanted to share some financial planning tips to hopefully get you feeling more in control of your finances…

1. Review your expenses: Start by reviewing your monthly expenses and identify areas where you can cut back. You can

At a recent meeting with one of our Planners, Alice, one of our clients brought in some rather old paperwork that she had found whilst sorting out her father’s property after he died last year. The documents were for some Royal London Whole of Life insurance policies that her grandmother had taken out for her father, after he was born.

Back in those days, before the days