The bill for COVID is coming, make no mistake about it. Yet, in a clever game of political smoke and mirrors, Chancellor of the Exchequer Rishi Sunak served up some hope in the Budget, freezing personal and corporation tax bands rather than increasing tax rates as originally mooted. All seems to be well until you…
At Foresight, we like to think that we are experts in what we do – financial planning. However, one of the most important things to know as a professional is not only where your expertise starts but, even more importantly, where it ends. This is why we have a network of trusted professional connections in…
As a Wealth Strategist, one of the things that you learn at a very early point is that it is not the amount of money you have that makes you happy, it’s what you do with it that gives the enjoyment. And, although the richest clients are not necessarily the happiest, it is also true…
Lasting Powers of Attorney (LPAs) allow you to appoint an individual to act as your legal representative in the event of declining mental health or injury. Whilst LPAs are vitally important documents and critical to your financial planning, it is estimated that less than 1% of the British public have one. In contrast, 40% of…
Entrepreneur noun 1. a person who sets up a business or businesses, taking on financial risks in the hope of profit. As George W Bush once allegedly said when discussing the decline of the French economy. “The problem with the French is that they don’t have a word for entrepreneur.” No one gets to the…
When businesses are set up initially, it is often done in a fuzzy haze of optimism, blind faith, and self-belief. However, further down the line, a healthy dose of realism needs to be injected into the heady mix. In this article, we explore what happens if one of the owners dies, and how to protect…
The rules have now changed on how ISAs can be passed on to spouses and civil partners upon death. These rules now allow for a Continuing Account of a Deceased Investor (CADI), which improves the rules on Additional Permitted Subscriptions (APS). The process of inheriting these assets is now simpler and more tax-efficient, meaning fewer…
You have worked hard all your life, built up substantial assets, and simply want to pass these down to your children and grandchildren to give them a helping hand in life once you have gone. It is a common goal we hear when speaking with clients. However, as with many things in life, it is…
We are delighted to say that, due to our continued expansion, we are looking to recruit four additional team members – two Client Managers (what other people call Paraplanners) and two Trainee Client Managers to join our dynamic and forward-thinking team. We have ambitious plans, and these can only be achieved by recruiting the right…
Over the past few years, there has been a growing demand from investors who not only want investment growth but also want to see the companies and funds they invest in providing benefit to the environment and communities. Known as ESG – Environmental, Social, and corporate Governance – the market is awash with claims of ESG friendly investments. In fact, the sector has been one of the fastest-growing, and this trend has accelerated dramatically during…
