Making Financial Gifts

Making a gift to your family and friends while you are alive can be a good way to reduce the value of your estate for Inheritance Tax purposes, ensuring those closest to you benefit from a lifetime of your hard work. Estate and tax planning is a complex area and professional financial advice can help

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The Impact of The Lifetime Allowance

The Spring Budget announced that the Pension Life Time Allowance (LTA) would be frozen until at least April 2026 at £1,073,100.  Previously, the LTA increased at the target rate of 2.5% however last year due to the low inflationary environment, it only went up by 0.5%. A prolonged period with no inflationary increases will mean

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Longevity Risk

One of the most fundamental risks in retirement is longevity, the risk of running out of money before running out of life.  Whilst there are a lot of benefits to living a long time, longevity undoubtedly increases financial risk.   So just how long will your retirement plan need to generate income?  Most people underestimate their life expectancy, often significantly.  A man who is 65 years

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Learn to enjoy your money

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

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What motivates a successful entrepreneur?

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

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Professional Adviser Awards Finalists 2021

We are pleased to announce that Foresight is once again a Finalist in the Professional Adviser ‘Adviser of the Year Firm’ Awards 2021. These seek to reward excellence and are one of the most prestigious in the financial planning profession, with over 200 advisers, firms, and providers being considered for the 2021 awards. Foresight has

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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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Will the tax man inherit your Assets?

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

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