Private medical insurance
Keeping your health on track When life throws you an unexpected challenge, fast diagnosis and treatment are what matter most, along with genuine help, support and understanding. Nothing is more important to you than your health, and the health of your family.
Private medical insurance
COVID-19: What you need to know Rising NHS waiting lists alongside the relaxation of COVID restrictions could be driving the surging interest in private healthcare[1]. During the course of the pandemic, private hospitals have supported the NHS by providing their facilities to help the national effort to fight the virus.
Long-term care
Face the future with confidence As we get older, many of us will need help looking after ourselves. But what are the options when it comes to paying for long-term care?
Long-term care
Vision for the future of adult social care The government has set out its vision for the future of adult social care. New plans were announced on 7 September 2021 for adult social care reform in England. This included a lifetime cap on the amount anyone in England will need to spend on their personal […]
Writing a Will
How much do you have to leave and who will get what? It’s important to make sure that after you die, your assets and possessions (known as your ‘estate’) will go to the people and organisations (known as your ‘beneficiaries’) you choose, such as family members and charities you want to support.
Lasting Power of Attorney
Giving someone you trust authority to help you make decisions As someone becomes more unwell, they’re likely to find it more difficult to manage money and financial affairs, and may become too unwell to make decisions about health and care. A Lasting Power of Attorney (LPA) is a legal document in which someone (the donor) […]
Inheritance Tax
Minimising the impact of on your estate The latest Inheritance Tax (IHT) statistics show an additional 4% was added to HM Revenue & Customs receipts compared to the previous year[1]. IHT is a tax payable when you die. Whether your beneficiaries have to pay it, and how much they’ll pay, is based on the value […]
Making inheritance gifts from surplus income
Are you making use of this useful and much under-utilised exemption? If you want to make inheritance gifts from surplus or excess income, there is a useful and much under-utilised exemption that allows gifts over and above the value of £3,000 per annum to be made without these gifts forming part of your estate if […]
Top pension tips if you’re about to retire
Understanding your options and putting a plan in place We spend our working lives building towards retirement. Choices we make today will have a big impact on the quality of our lives later on. If you only have a handful of years to go until you reach your retirement, it has never been more important […]
Build your own financial plan
Vision without action is merely a dream Having a financial plan in place early on can make it easier to manage your money further down the line. It’s never too early to make a financial plan. The sooner you work out your goals and start following a plan to achieve them, the more likely you […]