What Is A Cash Flow Model?

Evaluating your current assets and future outgoings are essential to planning for a strong and secure financial future. A cash flow model is a financial tool which assesses your current...


Owning Two Properties – Capital Gains Tax

Owning two properties is becoming increasingly common, as people buy a place in the country, inherit property, buy houses for their children, or couples who each own a property move...


Managing Your Pension Annual Allowance

The total amount you can normally pay into your pension without facing a tax charge is known as the pension annual allowance. The annual allowance is set at £40,000 each tax year however this...


The Value of Making a Will

It goes without saying that Wills are the probably the most valuable document you will ever complete during your lifetime. They are the way to properly plan for your finances...


State Pension Age To Increase To 68 By 2039

The Government have announced plans to increase the State Pension Age to 68 years old. Under the new proposals the increase will be phased in between 2037 and 2039, which...


Trusts – Why Are They Useful?

Many people have heard the term “Trust” but do not necessarily know what it means or why it might be useful for them. There is also a misconception that Trusts...


The Supreme Court Has Its Say On Inheritance Act Claims: Ilott v The Blue Cross & Ors

The Supreme Court has handed down its judgment in the case of Ilott v The Blue Cross & Ors [2017] UKSC 17. This decision is the first given by the...


Explaining Powers of Attorney

A Power of Attorney is a legal document by which a person gives someone else the authority to act on their behalf. The person giving the authority is known as...


How to Improve your Credit Rating

A negative credit rating can have a big impact on your life and can for example prevent you from getting a loan or credit card. Here are our top tips...


How not to be Involved in a Contentious Probate Dispute

We are regularly approached by clients who are affected by events after the death of a close family member or friend.  Only then does it become apparent there may be...


Wills – Knowledge and Approval

A frequently employed route to challenge the validity of a Will is to assert that the testator did not know or approve its contents.  But what does this mean? A...


The Not So Golden Rule

It is a fairly typical scenario: an elderly person wants to get their affairs in order before frailty of mind and body deem it too late. So if they want...