Author: Lloyd Kafton
Employee Benefits: The Long-term Gains for your Business
Historically, the relationship between employer and employee has been relatively distinct and not necessarily the most proactive. Employers had a role, as did employees, and very rarely did their goals and aspirations meet. However, the situation is very different today, with employee benefits playing a significant role in long-term planning. Employee retention When looking […]
Posted in Corporate Services
How to Mitigate Inheritance Tax
As they say, there are only two certainties in life, taxes and death – when it comes to inheritance tax, tax on death. However, there are legitimate ways to mitigate potential inheritance tax charges in the future, maximising assets left to your family and friends while minimising your tax liability. Before we look at ways […]
Posted in Pensions, Uncategorized
Wealth Management: Asset Allocation and Diversification
Asset allocation is part of the top-down approach to wealth management, leading to investment in individual countries, sectors, etc. As we will cover in a moment, selecting the correct asset allocation is crucial in the short, medium and long-term and will significantly impact returns. We will now look at the different asset classes and how […]
Posted in Investments
A Mortgage Dilemma for First-Time Buyers
There is uncertainty regarding interest rate and inflation which has led to a range of different forecasts for the UK housing market in the short to medium-term. This has placed first-time buyers in a challenging situation, looking to benefit from falling house prices but uncertain about the type of mortgage to consider. While important to […]
Posted in Mortgage
Wealth Management: Building and Preserving Your Wealth
While investment and wealth management are often spoken about in the same terms, some subtle differences exist. In effect, investment management is part of your overall wealth management, which is as much about preserving your wealth as building it. This becomes especially important in retirement when you will likely see a significant fall in your […]
Posted in Financial Planning
Maximising Income, Minimising Tax Liabilities
When it comes to budgets, tax rates and tax bands, be careful, the devil is always in the detail! Jeremy Hunt, the Chancellor of the Exchequer, recently stepped up to give his fiscal update and announce changes to the tax system. On the surface, there were some pleasant surprises. However, the attention-grabbing headlines quickly gave […]
Posted in Financial Planning
Pension Changes and Filling National Insurance Gaps
Since introducing pension freedoms legislation in April 2015, we have seen significant changes across the UK pension sector. These include a new state pension scheme, flexible access to defined contribution pension assets, and changes to the state pension age. However, the UK government recently introduced further changes that will impact short, medium and long-term returns. […]
Posted in Pensions