ISA deadline 5 April 2021: use it or lose it

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Make the most of the tax breaks before it’s too late

If you hold a Cash Individual Savings Account (ISA) you may be dissatisfied with the low rates of interest you receive, which could make it difficult to grow your money even at a rate that keeps pace with inflation.

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Inflation beaters

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How to ensure your money is protected from rising inflation

With current interest rates on cash savings very low, it is difficult to achieve growth above the rate of inflation. And if the cost of living is rising faster than your savings are growing, you’re effectively losing money.

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Tax planning reimagined

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Identifying the best options to preserve your wealth

No one likes to pay tax on their hard-earned money. But due to the complexities of the tax system, without expert professional financial advice, some individuals could be paying more tax than necessary. Before the end of every tax year on 5 April, you have the opportunity to save money on taxes and plan for the year ahead.

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Responsible investing

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Invest today. Change tomorrow

Responsible, sustainable and environmentally friendly investing is here to stay. But, while demand is growing among all age groups, genders and income bands, some savers and investors are missing their biggest opportunity for responsible investing, which is through their pension.

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Pension options

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Planning your financial future, and how to get there

One thing retirement is not, is an age. Not any more anyway. Gone are the days of being told to stop working one day and pick up your State Pension the next. Today you have new pension freedoms to decide when and how you retire.

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Reduce your Inheritance Tax bill

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10 ways to protect your estate for your loved ones

Even those who believe they have moderate wealth levels may still need to take action to minimise Inheritance Tax, particularly if they own property and have savings and investments.

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Wealth creation

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Where can you turn if you want to invest tax-efficiently?

Tax-efficiency is a key consideration when investing because it can make such an enormous difference to your wealth and quality of life.

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Passing on pension benefits

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Providing for your loved ones after your death

If you’ve spent a lifetime saving for retirement, you’d probably like any remaining money to go to a loved one after your death. But whether pension benefits are payable to a beneficiary, and how they’ll receive them, is dependent on the type of pension you’ve chosen and how you’ve accessed it in your retirement.

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Advice matters

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Life events that professional financial advice can help you navigate

In the current climate, we understand that you may be feeling worried about your work, your finances and what the future holds.

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Critical factor

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Protection for you and your loved ones

What would life be like if you were diagnosed with a serious illness? Things could change very suddenly. You’d get your family together and tell them what was going on. Before long, you’d start spending time in hospital for treatment. You may also need to take some time off.

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