How We Can Help You Make Sense of it All
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Retirement planning shouldn’t feel like learning a new language. Yet, when it comes to Pensions, Estate planning, Equity Release and taxes, the jargon can make things confusing.
We’re here to change that. This straight-talking guide explains key terms in plain English, so you can feel confident in your knowledge – and your future.
The amount of income you can earn before paying tax. This changes yearly and affects how much tax you pay on pensions, investments, and wages.
Investments like ISAs, pensions, and certain trusts that help reduce tax liabilities.
Gifts into certain trusts that could be taxed if they exceed inheritance tax thresholds.
The amount of interest you can earn from savings without paying tax (varies based on your tax band).
A tax on profits when you sell investments, property, or other assets. Some exemptions and allowances can help reduce this.
A tax on estates over a certain value. Good estate planning can reduce or eliminate this tax.
An extra tax-free allowance when passing your home to direct descendants.
The amount you can give away each year without it being counted towards inheritance tax
The amount you can give away each year without it being counted towards inheritance tax.
A government top-up on your pension contributions based on your income tax rate.
When taking a pension, you can usually withdraw 25% tax-free, with the rest taxed as income.
The amount of dividend income you can receive tax-free from shares or investments.
Trusts can help reduce tax liabilities by passing assets to beneficiaries in a tax-efficient way.
The maximum amount you can usually take tax-free from your pensions.
The amount of income you can earn before paying tax. This changes yearly and affects how much tax you pay on pensions, investments, and wages.