31 January 2016 is the deadline for submitting your personal tax return. Failure to submit the return prior to this date will result in an automatic £100 penalty being applied.
Late payment and interest charges will also be imposed on any tax liabilities paid late. ad+ must receive all the information required to complete your tax return no later than the […]
Saving on behalf of your children or grandchildren is a wonderful gift which could make their future more financially secure. Not only can they start their adult lives with some funds in hand, but getting them involved early with saving and investing also helps them learn important lessons about money. To find out more about the different options available, please […]
Check your status and the latest regulations
Because of constantly evolving tax rules, it is important to re-examine the arrangements you have put in place to preserve the wealth you have accumulated from a lifetime of hard work.
This is often an emotional matter, which might tempt you to delay making decisions. However, you do have an opportunity to ensure that your […]
How long could you pay your bills if you were not earning?
Could you continue to cover your basic day-to-day living costs, household bills, rent or mortgage repayments if you unexpectedly suffered an illness or had an accident that prevented you from working? Income protection insurance is generally cheaper than most people think, and in the majority of cases, some cover […]
Confused about retirement planning?
If you are feeling confused about your retirement planning options it’s not surprising. Massive changes have taken place during the past year with the introduction of ‘pension freedoms’. Despite the confusion, it remains essential that you make adequate financial provision for retirement. We consider your options on page 8 of this edition of ad+ Smart Money magazine.
This […]
Are you aware that there is a fundamental change in the way your tax will be calculated in the future?
George Osbornes planned reforms could mean that a typical landlord who historically had no tax to pay on property letting profits will be left with annual taxation liabilities running into £000’s.
Previously landlords were able to claim allowable interest relief on their […]
Good financial planning is all about thinking ahead. And planning for the future means making conscious decisions now, rather than getting bogged down in the minutiae of day-to-day events. So, it’s important to take a step back to look the bigger picture occasionally and to ask yourself a few key questions: how are my finances doing? Am I meeting my […]
Over-50s changing the way they work in later life
If you are approaching your 50s, you may be considering your retirement options. Perhaps you want to work flexible hours and work when it suits you. You might want to be ‘your own boss’ and set up a business or become self-employed. Or you may want to know what your options are for […]
Welcome to our Guide to Creating a Diverse Investment Portfolio. ‘Don’t put all your eggs in the same basket’ is probably the best-known proverb advising investors about the importance of portfolio diversification to spread and reduce risk.
The major advantage of portfolio diversification is its ability to protect your entire portfolio from the volatility associated to various asset classes. In this […]
How to save for a rainy day and plan for a comfortable retirement.
Reaching wealth goals and achieving personal ambitions are major objectives of the financial planning process. In order to make plans for the future, you need to know where you are today and where you want to be in the future.
Wealth goal-setting is very much like creating a business […]