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 […]
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 […]
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 […]
Planning for retirement in the new pensions landscape
The new pension savings market offers much more flexibility and choice post–6 April this year, which is a positive, but it can be overwhelming. For people planning for retirement in the new world of pension freedoms, there are both risks and opportunities – from passing on your pension to loved ones, to […]
Our new edition of ad+ Smart Money magazine offers a range of articles containing practical advice and insight on some important personal financial planning issues:
Sort out finances with practical tips
Your questions answered about Pensions Freedom
Where in the world should you invest?
Gender disparity affects post-retirement financial planning
Hunting for more investment income?
How to get a clear long-term view of your finances
Download your […]
If you’re self-employed, you probably know that you can claim legitimate business expenses and set them against your tax bill – but not all expenses qualify so it’s important to make sure your claim is valid. At ad+ we can help.
For example, unless something that you buy for your business is a capital asset, a computer or machinery (which you […]
In Scotland as throughout Europe, most workers now face a significantly longer life in employment than their parents or grandparents. Across 48 years of working[1] a typical individual entering the workforce today might expect to have nine full or part time jobs – and on average at least one major career change! Research from LV= shows a sharp shift from […]