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All about ISAs

Monday 10th of June 2019

In the 2019/20 tax year, you can save up to £20,000 tax-free in an Individual Savings Account (ISA), and when it comes to your ISA investment, you have a number of options.

Investors comfortable with the slightly higher risk Peer to Peer lending can also now invest in an Innovative Finance ISA, and those aged 18 to 40 can open a Lifetime ISA.

Although you can’t hold an ISA for anyone else, parents or guardians can open a Junior ISA and manage the account; but the money belongs to the child.

Put simply, an ISA is a tax wrapper for your mon...

A global approach to asset allocation

Monday 3rd of June 2019

Asset allocation is one of the key tools in our investment proposition to help strike the right balance between risk and reward in your portfolio. It applies to asset classes, such as equities, bonds and cash, and different global regions.

The actively-managed Omnis Managed Portfolio Service (OMPS) and our Graphene model portfolios are all globally diversified. While the largest allocation is to domestic assets, as you might expect from a UK-based service, they also hold investments in developed and emerging markets (EMs).

The thesis sup...


Need help to buy?

Wednesday 29th of May 2019

help_to_buy.pngDo you aspire to own a new-build home? Are you looking to move home, but lack sufficient funds to afford the repayments on a low-deposit mortgage? You may find it easier to join, or move up the property ladder, thanks to the government-backed Help to Buy scheme.

There are several schemes currently:

Shared Ownership
This is available to first time buyers unable to afford the full 100% mortgage on a home. It works by allowing them to buy a share of the home (between 25% and 75%), and then pay rent on the remaining share. An option to buy furt...

Congratulations you’ve made Partner!

You’ve reached the level that most solicitors strive for when they start out on their career journey but what does that mean for your personal finances and what should you do about it?

When you become a partner, your employment status will most likely change from employed to self-employed and this can have a number of implications which you need to consider.

1.    Profit sharing
If you are joining as a fixed share or salaried partner, as opposed to an equity partner, this means you will normally be enti...

Whether you're buying your first home, becoming a parent for the first time, investing for the future, or about to retire, a carefully thought-through financial plan can make a positive difference.

Download our guide which explores how we can help you whatever stage in life you're at »


The Cost of Raising a Child

Wednesday 8th of May 2019

raising_a_child.pngWe all know raising a child can be expensive. Research has shown, the cost of raising a child to age 18 in the UK varies dependant on whether it’s a girl or boy, with boys coming in at £79,176 and girls a staggering £108,884.

As a parent you are committed to doing all you can for your children – now and for their future but it’s estimated half of parents don’t have a financial protection plan in place­.

Nobody wants to think about the possibility of getting ill or being made redundant but having a contingency plan, such as life insurance o...

Your pension choices

Tuesday 23rd of April 2019

If you’re aged over 55 and looking to take your pension benefits, you now have far greater
choice thanks to the government’s pension reforms.

Previously, many people would have to buy an annuity with their pension to receive an income. Now however, there are a number of ways to get a regular income.

The importance of advice

With greater choice comes increased complexity, so it’s important to take advice – especially with something as important as your pension.


Plant your tree

Monday 15th of April 2019


Plant your tree today. Talk to us ubout pensions, investments, and protection for you, your family and your home.

Relevant Life Plan

Friday 12th of April 2019

11th April 2019

Relevant Life Plan

Do you want to provide valuable life cover and financial security for your employees and your family in a tax efficient manner? A Relevant Life Plan could be the answer.

What is a Relevant Life Plan?

A Relevant Life Plan is an individual ‘death in service’ life policy that is affected by an employer on the life of an employee and is funded by the employer. It is a term assurance plan designed to pay a lump sum benefit if the employee covered dies or is diagnosed with a terminal illness during their emp...