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Finding the world of finance overwhelming? Have a read through our articles & start learning!

What is a Pension?

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...

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What is an Onshore Bond?

Firstly, what is an investment bond? 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...

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What is a Platform?

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.‍A platform includes the following features:A single fee from the platform...

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What is Life Cover?

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...

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What is Income Protection?

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...

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Emergency Fund

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. A good rule of thumb for the...

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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. It’s an option that can be added for an extra cost when you take out Life Cover, or can be taken out on its own. Critical Illness Cover can pay...

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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.

Business Property Relief Schemes (BPR) invest in assets that are high risk and can be difficult to sell, such as shares in unlisted companies. The value of the investment and the income from it can fall as well as rise and investors may not get back what they originally invested, even taking into account the tax benefits.

Investors do not pay any personal tax on income or gains, but ISAs may pay unrecoverable tax on income from stocks and shares received by the ISA managers.

Stocks and Shares ISAs invest in Corporate bonds; stocks and shares and other assets that fluctuate in value.

Inheritance Tax planning is not regulated by the Financial Conduct Authority.

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Inheritance Tax Planning, Estate Planning and Tax Planning are not regulated by the Financial Conduct Authority.

The guidance and/or information contained within this website is subject to UK regulatory regime and is therefore targeted at consumers based in the UK.

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