However, these HMRC estimates were based on Office for Budget Responsibility (OBR) estimates for wage growth from March 2021, which have since changed significantly. Parliament has also frozen current long term tax thresholds, as well as ever-increasing inflation appearing on the scene. HMRC’s estimated number of higher rate taxpayers was based on a 0.9% growth
We have already reached the time of year when many New Year’s resolutions have already been broken. However, one resolution that you should have had and should now be a habit is to be a better investor. And that means learning to hold your nerve. Moving forward you want to continue to ignore, as hard
We are pleased to welcome Ben Holland as the latest member of the Foresight team. He joins us as a Client Manager, to help with the ever-increasing workload at Foresight. Ben has previously worked at an IFA practice in Stockport as a Trainee Paraplanner and therefore has a good understanding of what the financial planning
The University of John Hopkins recently conducted research into the returns on offer to investors. Between 1900 and 2017, the average annual return on stocks was around 11% and, even after adjusting for inflation, that average annual return only fell to 8%. It shows that, for longer-term investors, staying the course is the best port
Letting your family know what you want to happen when you pass away is the final gift you can give them. If you are not clear about how you want your money to be split, especially if you have more complex wishes such as uneven distributions, or have stepchildren, then how do you expect your
We are sure that you would like to join us in congratulating Ben Dyson, our Senior Wealth Strategist, on the recent marriage to his very beautiful bride, Sian. Ben and Sian met at their gym 6 years ago, with Sian saying ‘yes’ to Ben’s marriage proposal at the scenic Neuschwanstein Castle in Germany. The castle
It has only been six months since the Chancellor last stepped up to the dispatch box to deliver a Budget. Much has changed in that time. Energy price rises, global supply chain issues, and rising demand, prompted by the easing of coronavirus restrictions have caused inflation to hit levels not seen in a decade. With
Divorce is never easy, but it can be far more complicated when you are a business owner. The divorce process is not designed to damage a business. Indeed, the income produced by the business is usually the main source of income and is needed to fund child maintenance and spousal maintenance payments, so damaging the
Inflation is a silent killer – it earns its’ reputation through the slow deterioration of the purchasing power of your money over time. It is also the enemy of your savings because you always need to take it away from any growth to find out the real rate of return. Low inflation is easily overlooked
We are delighted to welcome Chris Porter as the latest member of our growing Client Manager team. Chris is coming on board as a Trainee Client Manager, to help deal with our ever-increasing workload Chris has significant financial services experience, having previously worked in Banking and Finance, speciallsing in pension administration for the last 9
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