our

education

The value of pensions and investments can fall as well as rise, you may get back less than you invested.

Tax treatment varies according to individual circumstance and is subject to change.

What is the Residence Nil-Rate Band?

The residence nil-rate band is in addition to the standard nil-rate band, which is £325,000. The residence nil-rate band is £175,000.

Inheritance Tax
learn more

What is Business Property Relief?

When first introduced, the main aim was to ensure that after the death of the owner, a family business could survive, without having to be sold or broken up to pay an inheritance tax liability. Since then, Business Property Relief has been varied to also encourage people to invest in businesses, regardless of whether they run the business themselves.

Inheritance Tax
Investments
Savings
learn more

What is Inheritance Tax?

Inheritance Tax is a tax on the estate (the property, money and possessions) of someone who’s died.

Investments
Retirement
Savings
Protection
Inheritance Tax
learn more

What is Family Income Benefit?

If you pass away, Family Income Benefit pays out a regular tax-free monthly income to your loved ones, to replace the loss of your income and help relieve the stresses to your family of paying the bills.

Protection
learn more

What is Critical Illness Cover?

Critical Illness Cover can help minimise the financial impact on you and your family if you were to become critically ill. Critical Illness Cover can pay out a cash sum if you’re diagnosed with, or undergo a medical procedure for, one of the specified critical illnesses covered by the policy.

Protection
learn more

Emergency Fund

December 10, 2020

An emergency fund is very important as it is a pot of money to fall back on should you either find that your income reduces, such as losing your job, or if you have to pay for something unexpected, such as having to replace your boiler.

Investments
Savings
learn more

What is Income Protection?

December 10, 2020

If you get sick or injured and are unable to work, income protection pays you part of your monthly income. Income protection payouts are tax-free and help you to protect your finances whilst you recover. As the payouts are tax-free, they should cover most of your salary that you stated on the application.

Protection
learn more

What is Life Cover?

December 10, 2020

Life cover, which can also be known as life insurance, is a type of policy that protects your loved ones financially if you die. It can help minimize the financial impact that your death could have on your family, and offer peace of mind to those that you care about most.

Protection
learn more

What is a Platform?

December 10, 2020

In simple terms, a platform is an IT solution that allows clients to consolidate their investments and manage these in one place. In reality, a platform is a service rather than a product.

Retirement
Investments
Savings
learn more

What is an Offshore Bond?

December 10, 2020

An investment bond provides a flexible method of investing your money, with the potential for growth over the medium to long term. It is designed to allow your capital to grow and give you the ability to take regular, tax-efficient withdrawals is required.

Retirement
Investments
Savings
learn more

What is an Onshore Bond?

December 10, 2020

An investment bond provides a flexible method of investing your money, with the potential for growth over the medium to long term. It is designed to allow your capital to grow and give you the ability to take regular, tax-efficient withdrawals is required. An investment bond offers the opportunity to take advantage of several tax benefits, including arrangements which can help to reduce your inheritance tax liability.

Retirement
Investments
Savings
learn more

What is a General Investment Account (GIA)?

December 10, 2020

Unlike ISAs, pensions or bonds, a General Investment Account (GIA) does not offer any tax benefits. You pay income tax and capital gains tax in accordance with your personal tax situation.

Investments
Savings
learn more

What is an Individual Savings Account (ISA)?

December 10, 2020

An ISA is a tax-efficient savings account. When you invest money into an ISA, you do not pay tax on any income that the ISA generates. Furthermore, when you take money out of the ISA, any growth that the ISA has generated does not attract Capital Gains Tax.

Investments
Savings
learn more

What is a Pension?

December 10, 2020

Essentially, a pension is just a type of savings plan to help you save money for later in life, typically, your retirement. It also has favourable tax treatment compared to other forms of savings. There are different types of pensions available, depending on your circumstances. So here is an overview of the different options.

Investments
Retirement
Savings
learn more