Money Principles

We hope everyone has had a wonderful summer!

We’ve all been lucky enough to spend some time away, relaxing and reflecting with our families before the children head back to school this week - including a very special first day of Reception for one of the littlest members of the family!

Here are a few photos from our summer holidays. Alastair headed to the Dordogne and Provence, where, unsurprisingly, far too much bread and cheese was consumed. Fraser enjoyed a historic break in Carcassonne, while Henry was sailing in Gibraltar!

Now we’re back, hitting the ground running, setting up reviews for the remainder of the year and catching up with clients.

There’s plenty of speculation around the upcoming Autumn Budget and what it could mean for markets. As always, if you have questions about what the changes might mean for you and your financial plans, we’re here to help.

It's a real shot in the arm getting positive feedback from our clients, and it's why we do what we do.

One of our clients is facing an inheritance tax bill rising from £80,000 to £800,000 from April 2027.

This is a real client, not a hypothetical case. They aren't ultra-wealthy, they've simply spent years saving into their pension for retirement.

From April 2027, unused pension funds are expected to be included in inheritance tax calculations. For many families, this could mean a significant increase in the tax their loved ones face.

Ignoring it won't make it go away. Planning early gives you more options and could make a substantial difference.

If you're concerned about how these changes could affect your family, now is the time to review your plans. Do get in touch.

The Government has taken one of the most well-understood and successful tax breaks available to savers and added a layer of complexity that many will need to navigate...

From April 2027, cash held within a Stocks & Shares ISA will be subject to 22% tax on any interest earned.

This change accompanies the reduction in the Cash ISA allowance from £20,000 to £12,000 for those under 65 and is designed to discourage using Stocks & Shares ISAs as an alternative for holding cash.

If you're unsure how these changes could affect your savings or investments, we're here to help.

Welcoming Henry back to work today after his incredible 3-week honeymoon safari in Africa with his lovely wife, Skye 😍

Here's just a snippet of some of the amazing wildlife they were lucky enough to encounter on their travels - a true once in a lifetime trip!

A staggering amount.

Awareness, and having a trusted source to turn to, are some of the strongest forms of protection.

Understanding common scams and taking a moment to verify can make all the difference. If something doesn’t feel right, or you feel any hesitation, trust your instincts and pick up the phone.

We’ve helped a number of our clients identify scams before any money was lost. A quick conversation with one of us can sometimes be all it takes.

We want to help protect what you’ve worked hard to build.