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Careful allocation of income and assets between couples can result in significant tax savings. Read more

When it comes to tax efficient investing there is nothing quite as satisfying as a pension. Tax relief on contributions, tax free growth, 25% tax free lump sum and no inheritance tax combine to make pension saving attractive to investors. Read more

Given the huge costs involved in raising a child and early adult life, it might seem strange to pay money to a pension which cannot be accessed for decades when there are many other expenses to worry about. However, the long term tax benefits of pensions plus the Government top-up can make for a compelling case in certain circumstances. Read more

A Bare Trust is the technical term for an account that belongs to a minor but is controlled by an adult. It’s sometimes called a designated account. At 18, the child is able to request access to the whole fund without restriction. Read more

Tax efficient saving for your children's future Read more

One of the most popular ways to save for children is to open a Junior ISA. These are tax-free savings accounts that allow you to save up to £4,128 each year in a cash deposit or by investing in stocks and shares. There is no tax to pay whilst the money grows inside the JISA account and all withdrawals are tax free. Read more

Illness and trauma can strike at anytime Read more

Each year close to a million people find themselves unable to work due to a serious illness or injury. Read more

Jo and Dave are a married couple with three children: Nancy (6), Ivy (3) and Alfie (1). Jo gave up her job when Ivy was born as the cost of child care meant it wasn’t economical for her to continue working and pay for childcare.  Dave earns £45,000 working as a photographer. Read more

We examine the impact of the latest changes in inheritance tax legislation on home owners. Read more