Twenty-eight million people in the UK currently have no will, according to new data* published this month. Writing a will is crucial to ensure a smooth process of wealth transfer for your family, and efficient inheritance planning can save you thousands in Inheritance Tax (IHT). If you have no will in place, you have made [...]
Posts Tagged ‘Inheritance Planning’
Writing a will essential for family and tax reasons
Friday, November 20th, 2009Waking the dead: Penalties for late Inheritance Tax
Monday, August 17th, 2009HM Revenue and Customs has announced an increase to 3% of the interest charge on all late payments of Inheritance Tax, effective from September 2009.
Personal finance tips for newly weds
Friday, July 24th, 2009As you step over the threshold into married life, you should know that the world of your personal finances has changed forever as well. There are a number of financial matters to consider, and steps to be taken, as you and your partner embark on your new journey. Here are our top tips on what you should be thinking about, as you return from honeymoon.
Planning your personal pension
Friday, July 17th, 2009The latest budget poured a bucket of ice water over the enthusiasm of most private companies for company pension schemes. It certainly seems likely that, in future, the onus will be on the financially aware individual to look after his own pension provision. This raises the prospect of planning and setting up a personal pension [...]
Where there’s a will – sorting your inheritance planning
Wednesday, July 15th, 2009As the old saying goes, where there’s a will, there’s a relative – and arguments relating to inheritance can cause conflict and bitterness that can break even the most close-knit of families. At the very least, an outdated or badly-written will can fail in its primary objective: to ensure a smooth inheritance process. All the more important, therefore, that [...]
Passing on your wealth: Tips for inheritance planning
Tuesday, July 14th, 2009The transfer of wealth to your children – better known as inheritance planning -Â is a complex area of personal finance that must be well planned in order to work efficiently. The central factor to consider in inheritance planning is taxation, and in particular Inheritance Tax, which, if left unheeded, can be applied to parts of [...]
Financial planning – The large print giveth, the small print taketh away
Friday, June 12th, 2009In the labyrinth of financial planning, each step we take can present a hidden pitfall, a devil buried deep down in the detail. Here is our mixed bag of hidden surprises – every nugget of wisdom can contain its own dark secret! We know that making a will is an essential part of our financial [...]
The financial life cycle 4: The frugal fifties
Tuesday, June 9th, 2009In your fifties, your children may be grown. Perhaps your youngest is about to depart to make her own way in the world. You find yourself, your spouse and your cat enjoying a cup of tea alone, in the sudden quiet of an empty house.
This is not a time for sadness. Don’t think of it as losing a daughter – think of it as regaining a bathroom!
Critical illness insurance: The devil is in the detail
Wednesday, May 27th, 2009If you are a parent of a young family, or have dependants to support, insuring your health with critical illness insurance can be just as important as insuring your life. Even for a single person with no dependants, critical illness cover can pay off your mortgage, a major benefit if you suddenly find yourself incapacitated and deprived of [...]
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