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Insurance
June 2019
Long-term care insurance
Insurance
June 2019
  Meeting the cost of residential and nursing care in old age Long-term care insurance provides the financial support you need if you have to pay for care assistance for yourself or a loved one. It involves a variety of services designed to meet a person’s health or personal care needs during a short or long period of time. These services help people live as independently and safely as possible when they can no longer perform everyday activities on their own. Read full article
Estate Planning
May 2019
Lasting Power of Attorney
Estate Planning
May 2019
  Making decisions on your behalf during your lifetime A Lasting Power of Attorney (LPA) is a legal document that allows you to appoint one or more people to make decisions on your behalf during your lifetime. The people you appoint to manage your affairs are called the ‘attorneys’. An LPA is a completely separate legal document to your Will, although many people put them in place at the same time as getting their will written, as part of wanting to plan for the future. Read full article
Tax Planning
May 2019
Do your numbers add up?
Tax Planning
May 2019
  Tax-efficient ways to fund the next generation It’s natural we may want to give younger members of our family a financial start in life. Especially when we hear about some students graduating with eye-watering levels of debt. If you are able to help your children or grandchildren without risking running out of money yourself, it’s important that you do so effectively. Read full article
Pensions
May 2019
State pension
Pensions
May 2019
  Half a million workers past pension age could be paying unnecessary tax A significant number of people working past the state pension age could be paying unnecessary tax on their state pension, according to new research[1]. This is because they failed to take up the option of deferring their state pension until they stopped work. As a result, their entire state pension is being taxed, in some cases at 40%. Read full article
Estate Planning
May 2019
Why silence isn’t necessarily bliss
Estate Planning
May 2019
  Over six million adults refuse to discuss their will with loved ones Making a will is very important if you care what happens to your money and your belongings after you die, and most of us do. But have you tried to talk with your parents about their will? If that conversation isn’t happening, you’re not alone. Read full article
Investment
May 2019
Protecting the value of your money
Investment
May 2019
  Don’t ignore the corrosive impact rising prices can have on your investments Inflation is an economy-wide sustained trend of increasing prices from one year to the next. The rate of inflation is important as it represents the rate at which the real value of savings and an investment is eroded and the loss in spending power over time. Inflation also tells investors exactly how much of a return their investments need to make for them to maintain their standard of living. Read full article
Insurance
May 2019
Private medical insurance
Insurance
May 2019
  Healthcare when you need it Nothing is more important to you than your health and the health of your family. If you or your loved ones were to experience worrying symptoms, private medical insurance can offer reassurance and control at a difficult time. Private medical insurance (often also referred to as ‘health insurance’) is an insurance policy that covers the costs of private healthcare, from diagnosis to treatment. Read full article
Investment
May 2019
Trusts
Investment
May 2019
  Protecting, preserving or ultimately distributing wealth As part of your Inheritance Tax planning, you may want to consider putting assets in trust – either during your lifetime or under the terms of your Will. Putting assets in trust – rather than making a direct gift to a beneficiary – can be a more flexible way of achieving your objectives. For example: Read full article
Investment
May 2019
Bank of Mum and Dad
Investment
May 2019
  Innovative products to be created for would-be home owners The Building Societies Association (BSA) have recently published a raft of recommendations as to how the mortgage industry can support the Bank of Mum and Dad in their endeavours to help first-time buyers onto the property ladder. Read full article
Inheritance Tax
May 2019
Inheritance Tax
Inheritance Tax
May 2019
  No longer something that only affects the very wealthy Inheritance Tax is no longer something that only affects the very wealthy, but the good news is that there are ways to limit the amount of Inheritance Tax your family may potentially face. Read full article