What are the key changes to tax announced on Tax Day 2021? We have reviewed the latest announcements to provide you with a Tax Day summary. Here are the key areas that might impact your savings and investments. During this year’s budget the Chancellor avoided detailing planned changes to taxation, for example, the future of …

Tax Day summary – your key takeouts for savings and investments Read More »

To the casual observer, the first Budget of 2021 appeared to have been fully revealed before the Chancellor even reached the despatch box. The relentless flow of pre-Budget rumours, kite-flying and red herrings makes it is all the more important to forget what was said before 12.30 on 3 March and concentrate on what Rishi …

Key points from the Budget 2021 Read More »

Cash flow planning is a tool we use to project your financial position into the future, it helps you to understand what your finances could look like throughout your lifetime. It takes into account your income, spending and overall net worth. The graph below is an example of this. Another way of thinking about cash …

What is cash flow planning, and why is it important for your financial future? Read More »

What is responsible investing? A new focus on the ethics and impact of sectors has led to renewed interest in ethical investing. If 2020 was the year of social distancing, 2019 was the year that environmental issues became mainstream. Whether it was Blue Planet II, the Extinction Rebellion protests or Greta Thunberg’s speech to the …

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Earlier this year the rules for what constitutes an income fund changed Investors often forget that there are two sources of return available to them from an investment portfolio. Income in the form of dividends and Growth in the form of  an increase in the price of the share. Together these elements of a portfolio …

Redefining income – dividend requirements clarified Read More »

The world our children is inheriting is far more complex than the one we grew up in and no more so than the financial world. Educating children about money is incredibly important. We are banking more on-line, buying more on credit and these bring added issues such as cybercrime and identity theft which we never …

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Every good financial plan needs to be backed up by a good legal plan and it is very important to periodically review your will, or in some cases take the first steps to writing one. In my role as Senior Relationship Manager at the RU Group, I regularly speak with local Law firms to build …

Increase in will writing highlights the need for forward planning Read More »

One of the common questions we are asked is ‘how much income will I need in retirement?’, hand in hand with ‘what will my costs be in retirement?’. Now is a great time to start looking at what we spend our money on normally, and what our expenditure might be in retirement. This period of …

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Rachael Hurdman, Business Coach, Consultant and the founder of Arch inspire challenges you to take valuable time to ‘invest in yourself’ whether you are building for, approaching or are in retirement. As a coach I help many clients to focus on and realise the benefits of ‘investing in themselves’. Many of the questions your Financial …

Why its important to invest in yourself Read More »