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The MAGAZINE

Transforming your wealth

Woman not worrying about tax

Savings Tips for High Earners

To protect your wealth and reduce your tax liability by effectively reducing your salary, you can take advantage of several savings and allowances. Read on to find out what these are.

Embrace Your Financial Wellbeing

If you are just starting out with your finances, there are many steps you can take on your own to build a solid foundation for your finances. Here are our handy hints for setting yourself up for success.

IHT Tips for Married And Civil Partnership Couple

Inheritance tax (IHT) was once regarded as a tax that only affected the very wealthy.; however, rising property prices and a freeze on allowances mean many more people are facing a tax charge upon death.

Everyone’s circumstances are different and it is important that even if you don’t consider yourself

IHT planning for cohabiting couples

When it comes to relationships and money, where you sit on the marriage spectrum can matter. This is because some tax rules (such as on inheritance) permit married and civil partners to transfer assets and allowances to each other tax-free, but currently don’t give the same protections if you live

Life stages: Menopause and your money

For many, menopause is a time of life when career, life and financial demands are at their peak, yet suddenly, physical and mental performance levels drop. The pressure to carry on with the usual load can become overwhelming, and yet, taking a step back might seem an impossible luxury. This

The benefits of financial planning

A personal financial plan can help make your financial dreams a reality. By defining goals and setting clear objectives on how to meet these, your financial plan will give you confidence that you are on track and, if the unexpected were to happen, you are prepared.

Woman thinking about long term investing

The importance of long-term investing

Challenging market environments can create situations which can lead to some biased decision making. Recognising this will prevent investors from making decisions that could negatively impact their long-term investment performance.

What is fiscal drag?

Simply put, it is the effect that the freeze on income tax rates and bands has on real earnings. When tax bands or tax allowances do not rise along with inflation or the cost of living, you may find that you inadvertently pay more income tax.

Time to gift?

Considering how to gift is vital when thinking about your long-term wealth strategy. As well as helping others, it can be a practical way to reduce the size of your estate: the key factor for inheritance tax calculations, which is becoming a greater reality for many as home values and

We have a new Labour government

We now know that the Labour Party has been elected to lead the UK government. It’s been over 14 years since Labour were in power and now, with a pledge to get “Britain’s future back”, their first steps for change are to: Additional Labour Party policies you should be aware

Scottish Budget 2023

On 19th December, Scottish Finance Secretary Shona Robison unveiled the Scottish Government’s 2024/25 budget plans in what she described as turbulent circumstances: a turbulence which the SNP opted to largely direct towards Scotland’s high earners in the form of income tax hikes.