Divorce is Never Easy

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

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Long or Short Term Investing?

If you had invested in a UK Index fund from 1980-2009 you would have achieved a return of some 700% on your investment.  However, if you had missed just the best 20 days of stock market performance during that period, that return would have been reduced to just 240%. Getting market timing right is a

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Reasons Why You Need A Shareholder Agreement

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

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New ISA rules now allow for a …. CADI

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

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