Graham Carter & Co - Chartered Financial Planners

https://www.grahamcarter.co.uk/post/britons-face-inheritance-tax-confusion

Britons face Inheritance Tax confusion How the gifting rules are leaving some families in the darkInheritance Tax (IHT) can feel like a financial maze, and new research suggests many families struggle to understand the rules. Almost three in five (59%) UK adults admit they find IHT confusing, while only 6% describe their understanding as...

https://www.grahamcarter.co.uk/post/building-retirement-wealth

Building retirement wealth Creating the financial foundations for the retirement you wantOne of the most important factors in achieving a comfortable retirement is building sufficient wealth during your working years. While retirement may seem distant when you are focused on career progression, family commitments and day-to-d...

https://www.grahamcarter.co.uk/post/life-events-that-trigger-a-financial-review

Life events that trigger a financial review Understanding your options to make informed decisionsLife rarely stands still. Major milestones, unexpected changes and new opportunities can significantly affect your financial wellbeing. While many people review their finances only when a problem arises, a proactive approach can help ensure your p...

https://www.grahamcarter.co.uk/post/looking-to-pass-your-assets-on-to-the-next-generation

Looking to pass your assets on to the next generation? Asking the right questions that align with your specific financial goalsPlanning for the future of your wealth is a significant responsibility, especially when you want to protect your family and ensure your hard-earned assets are passed on smoothly. A trust, in its many forms, is often considered a...

https://www.grahamcarter.co.uk/post/smart-gifting

Smart gifting Tax-free ways to support your children and grandchildrenPassing wealth to the next generation is a primary concern for many families, yet the complexities of Inheritance Tax (IHT) often cause unnecessary anxiety. With the headline rate of IHT set at 40%, careful planning is essential to ensure your....

https://www.grahamcarter.co.uk/post/appointing-someone-you-trust-to-handle-important-matters

Appointing someone you trust to handle important matters Safeguarding your future and ensuring your wishes are respectedWhen our health declines, even simple tasks like managing finances or making healthcare choices can become daunting. This is where a Lasting Power of Attorney (LPA) is vital in protecting your future and ensuring your wishes are honoured...

https://www.grahamcarter.co.uk/post/the-unseen-gap

The unseen gap Why do some women experience poverty in their retirement?A comfortable retirement is a goal many of us strive for throughout our lives. However, for many women, this goal remains out of reach. New analysis reveals a stark truth: more than a third (36%) of women are projected to face poverty in their...

https://www.grahamcarter.co.uk/post/building-a-solid-blueprint-for-success

Building a solid blueprint for success Time to reflect on your financial goals for 2026 and beyondAs 2026 gets underway, it’s the perfect time to assess your financial goals. Many of us set New Year’s resolutions with great enthusiasm, but how often do these plans lead to real results? Financial dreams, like buying your first home or...

https://www.grahamcarter.co.uk/post/what-s-on-your-financial-to-do-list-for-2026

What’s on your financial to-do list for 2026? Why keeping your financial plan relevant is more important than everHave you set your New Year’s financial resolutions? The key is to make them specific and measurable. To help you get started, we have suggested some financial resolutions for 2026 to consider, all of which are realistic, achievabl...

https://www.grahamcarter.co.uk/post/why-silence-costs-families

Why silence costs families Planning, talking, and protecting more of your legacy from tax and disputesDeath and money are two of life’s unavoidable realities, yet they remain subjects many of us hesitate to discuss. This reluctance often extends to inheritance, a topic filled with discomfort for many families. The consequen...