Blog

  • One for the kids? – If they’re saving for a home, check they’re making the most of the Lifetime ISA

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    If you’re saving for a home through a Help To Buy ISA or know someone who is, it’s worth being aware of a planning opportunity which could boost your savings by an additional £1,100. But anyone hoping to take advantage of this opportunity needs to be quick, as it will only be available for just under four months more. Any savings in a Help To Buy I...
  • What does the future hold for the Apprenticeship Service?

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    Recent figures from the Department for Education (DfE) show that the amount of workers starting apprenticeships in England has fallen dramatically. The number of people beginning an apprenticeship between May and July 2016 was 117,000, a number which has fallen by more than half to 48,000 during the same period this year. The sizeable drop has occu...
  • 5 Financial Goals for the New Year

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    Whether or not you’re the kind of person who sees the start of January as the time to set yourself resolutions and stick to them, the period after the excesses of Christmas and New Year is arguably one of the best times to actively get your finances into shape. Here are five great money-related resolutions it’s definitely worth committing to in ord...
  • January Market Commentary

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    Another year seems to have flown by in the space of about five months. December, in particular, seemed to go past in a blur. It was, however, the month when some progress was – finally – made in the Brexit negotiations. It was also the month when Scotland used its tax-raising powers to increase income tax, when Germany worried about Chinese spies u...
  • Using the pension freedoms? How to make sure you don’t run out of money in 16 years.

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    Recent research has revealed the alarming statistic that around a third of people are now likely to run out of money after they retire, which could result in their children’s inheritance being severely diminished or even disappearing completely. This follows the introduction of pension freedoms in 2015, which have allowed people to withdraw large a...
  • Planning ahead for Christmas…

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    The ever-expanding festive fare already available in every high street shop and supermarket provides a daily reminder that Christmas is just around the corner. Whilst it might still feel too soon for you to begin thinking about your arrangements for the Yuletide season, there are definite benefits to getting your Christmas plans in order nice and e...
  • How will AI change your interactions with your accountant?

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    When you hear the words ‘artificial intelligence’, the first thing you think of is probably one of the many examples of computers and machines built to think, work and react like a human being in the movies. But AI is certainly no longer a fantasy restricted to the world of science fiction, with its application being explored in countless areas of...
  • UK government to toughen stance against online VAT fraud

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    The government’s Public Accounts Committee criticised HMRC last month for their undue cautiousness in pursuing ‘fraudsters’ who fail to pay VAT when selling goods online. Whilst major online marketplace sites Amazon and eBay have said they are working together with HMRC to tackle the issue, the companies are also currently raking in extra profit, w...
  • Millennials leading the way in saving for retirement

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    Recent data suggests that younger generations are on track to save more than their parents and grandparents, despite their earnings on average being considerably lower. Part of the reason for this is time: simply put, young people have more years ahead of them than older generations until they retire, meaning that any money they put away now has mo...
  • Power of Attorney – the case for and against

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    Setting up a trusted family member or friend with a Lasting Power of Attorney (LPA) ensures that someone else is able to make important decisions for you when you’re no longer in a position to be able to make them for yourself. But this in itself is always going to be a key decision in your life, so it’s important to consider the benefits and risks...