Financial Advice

Our financial advice hub is here to keep you up to date with investment market insights and financial planning top tips

Income Tax Allowances
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Income Tax Allowances – UK Allowances   2021/22 2022/23 Personal allowance (PA)* £12,570 £12,570 Married couple’s allowance (MCA) Ø Spouse/civil partner born before 6.4.1935 £9,125 £9,415 Minimum MCA £3,530 £3,640…

Income Tax Rates
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Income Tax Rates 2022/23 Non-savings, non-dividend income – England, Wales, NI 2021/22 Band 2022/23 Band Basic rate: 20% £0 – £37,700 Basic rate: 20% £0 – £37,700 Higher rate: 40%…

Pension Allowance
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Pension Allowance The maximum amount of contributions on which a member can claim tax relief in any tax year is greater of: the ‘basic amount’ – currently £3600 gross, and…

Pension Lifetime Allowance Q&A Infographic
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If you are a high-income earner or wealthy individual, you could be putting too much into your lifetime pension and risk exceeding the pension lifetime allowance.

Pension Lifetime Allowance Q&A
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How to stay within the limit to avoid a tax charge. If you’ve been diligently saving into a pension throughout your working life, you should be entitled to feel confident…

Financial advice percentages
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Attitudes of over 50s towards their pensions 26% – Stated that they only started paying into their pension after they turned 30 years old 49% – Regret not saving into…

Cashflow Modelling
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Cash flow modelling allows us to bring your financial future to life together. We can help to: Plan and analyse your financial goals Project them forwards over time See how…

a couple walking hand in hand on a beach after saving a retirement nest egg for retirement
Retirement nest egg
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Nearly a half of over-50s regret not saving into their pension earlier The days of working for a single employer for your entire career and retiring with a comfortable pension…

ISA Allowances
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Overall Limit ISA 2021/22* £20,000 ISA 2022/23* £20,000 Junior ISA/Child Trust Fund 2021/22 £9,000 Junior ISA/Child Trust Fund 2022/23 £9,000 *Eligible savers can contribute up to £4,000 of the overall…

Individual Savings Accounts (ISAs)
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ISAs enable you to minimise the amount of tax you pay on your hard-earned money. There are several different ISA options and some ISAs give you instant access to your…

The main measures enabling people to retire early or think about retiring early
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The main measures enabling people to retire early or think about retiring early 32% – Having a defined benefit (Final Salary) Pension 29% – Saving little and often 16% –…

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