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To minimise a couples estates liability to inheritance tax on the death of the second individual the simplest solution is to ensure that both Nil rate Bands are used. Usually upon the death of the first individual everything passes to the 2nd. However as between spouses there is an inter spousal exemption this serves to [...]

Am I the only person in Britain who was brought up to save for something that you want rather than just stick it on to a credit card? I recently applied to Bristol & West for a self certification mortgage but was turned down because I do not have enough debts.

When I queried this with [...]

People normally start saving for the pension as soon as they start working. This wasn’t the case in the past, some thirty forty years ago, which is the reason why at present some ninety percent of the pensioners only rely on the State Pension. By contributing into your pension early and continue with your contributions [...]

I have recently moved abroad and sold and encashed my property and most of my assets. As a result of very good advice from my IFA I have invested all this cash into an offshore bond. The funds within the offshore bond accumulate very tax efficiently, and as long as the funds are invested there [...]

I am heavily invested in overseas equity funds and I needed to make sure that the funds don’t start to fall. Therefore I am monitoring and regularly review my investment funds, with a help of a Financial Adviser to ensure that this doesn’t happen. Hopefully this process will be continuous. We have agreed to set [...]

All property types form large houses to ex local authority flats can work well if the landlord correctly assesses their investment potential. It comes down to landlords doing their homework.

Locations are a major factor,  landlords looking at areas such as Stratford, East London hoping to cash in on the 2012 Olympic games or gambling fans [...]

I believe that my Independent Financial Adviser (IFA) is the best in the world. A good friend recommended him to me shortly after I started working over ten years ago. During this time he has helped me to establish a portfolio of tax-efficient investments in excess of £ 1 million and a pension portfolio of [...]

Many people have built up a lot of credit card and loan debt over the last few years and cant pay it off. How to get rid of your credit card debt depends on how long it has been held for and your financial situation.

If you have debt that hasn’t been there for a long [...]

A dumb guide to establishing your risk profile:

1-Low risk: you are a cautious investor if you keep all your money in the bank and are happy for it to be safe giving you 2% annual growth.

2- Medium risk: you are a moderate risk investor if you are happy to take a limited risk with your [...]

More and more employers still offering defined benefit pension schemes are in the process f shutting them down. The main reason for this is that a lot of these schemes are in a significant fund short fall and are therefore simply unable to provide the guaranteed benefits to retiring members. On closure of the defined [...]