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Long Term Care Costs
& Tuition Fees
July 2017

No one wants to pay for them!

 

With Brexit back front and center we can have a quick look at some political hot potatoes from the June election campaign. One thing I have taken away is that there are some serious flaws in the democratic process.

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IFA Exeter
You may not be able to choose your family April 2017

but you can choose your Power of Attorney

 

Throughout our lives we are faced with major financial decisions; buying a house, saving for retirement and the complex issue of retirement itself. As many reading this article today will realise, it does not stop once you have reached retirement.

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IFA Exeter
Happy new tax year April 2017
 
 

Article 50, Nicola Sturgeon asking for Indy Ref 2 or Donald Trump sailing towards North Korea, none of these events seems to shake t stock market in the UK at the moment as our chart of the MSCI UK index shows.

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IFA Exeter
Hospicecare... March 2017
 
 
For those in the later stages of life hospice care is the fourth service, the sad thing is that none of us know when we reach the point of needing this service.
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IFA Exeter
ISAs... March 2017
...are getting a bit crowded.
 
With Easter eggs in the shop and Hot Cross buns in every bakery you know that the old ‘get your ISAs whilst they are hot’ article is only just around the corner.  So here it is!
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Time To Rebalance February 2017
The view from Europe
 
The markets have come off their peak following the inauguration of The Donald and Sterling strengthened a little after the Teresa may speech.
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IFA Exeter
Tips for New Year [2] February 2017
Here is a few more tips for christmas
 
So far 2017 has not produced too much excitement. Controversy continues to surround the American President-elect and polls for Marine Le Pen are showing that she may make it through the first round of the French elections in May.
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IFA Exeter
Tips for christmas [1] December 2016
Here is a few tips for christmas
 
It is the time of year to reflect on what has happened and look forward to what is coming up. Here is 6 tips for your christmas to help you through the festive season.
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IFA Exeter
Complexity December 2016
Sometimes more complexity is a good thing!
 

The UK mainstream press has finally come around to reporting on the Italian referendum. By the time you are reading this it will be over.

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IFA Exeter
Economists November 2016
might as well start reading tea leaves
 

Just when things are uncertain, we add another batch of confusion. I started writing this article on Wednesday and by Thursday I could add a whole new chapter.

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IFA Exeter
The 'New Normal' October 2016
Are 2%-3% interest rates the ‘New Normal’?
 
This week has seen a lot of confusing signals in the markets. Following on from last week’s article about the Italian banking issues we have seen the problems in the German banking system exposed by the fine imposed on Deutsche Bank...
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IFA Exeter
Keep An Eye On Italy October 2016
Never mind the US pantomime, keep an eye on Italy
 
It is really quite unbelieveable that a country of 325 million people can not find two better candidates for the presidential elections than two questionable OAPs who should be thinking how to make best  use of their buspass...
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IFA Exeter
The Aftermath September 2016
of the EU Referendum
 
Two months on from the prediction by some of a catastrophe and the world seems to be much the same. Instead of having an explosive effect, the aftermath of the EU referendum seems to have more in common with Kilauea than Krakatoa.
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IFA Exeter
Tax Benefits May 2016
of General Investment Accounts
 
Following the change in dividend Tax rules General Investment Accounts [GIA] can now receive up to  £5000 in dividends free from income tax per year, however many people forget about the annual Capital Gains Tax [CGT] allowance.
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IFA Exeter
Responsible Investing May 2016
Socially Responsible Investing… sounds great doesn’t it!
 
Most investors are aiming to invest to meet their individual long term financial goals. Usually, these investments are diversified and well-managed and in many cases should, with care, achieve this.
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IFA Exeter
Happy New Tax Year April 2016
So how do the changes affect you?
 

It is more efficient to discuss the changes that have come into force this tax year than focusing on what might happen in the future. Some the changes that come into force this April can have a considerable impact depending on individual circumstances.
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IFA Exeter
ISA Consolidation April 2016

Actually it is easier than it sounds

 

Experience has shown us that people tend to have £3,000 in a Cash ISA here, and an old Tax-Exempt Special Savings Account with £12,000 there and perhaps a Stocks and Shares ISA worth £15,000 investing in Lord knows what somewhere else.

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IFA Exeter
Cash ISAs March 2016

ISA back to basics

 

These are predominantly deposit based savings accounts offered by bank and building societies. The advantage over an ordinary savings account is that they are not subject to income tax.

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IFA Exeter
ISA - The Definition March 2016

ISA back to basics

 

We have all been using the term ISA for so long that it is worth reminding ourselves that it stands for Individual Savings Account and they can only be held by a single named account.

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IFA Exeter
ISA death benefit rules Feb 2016

A substantial benefit especially for the elderly

 

Every industry has its pinch points. For accountants it is usually the end of January when all the personal accounts fall due and tax has to be paid.

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IFA Exeter
Act now! January 2016

Act now, don’t be left saying ‘If only ….’

 

As I sang auld lang syne, badly, it dawned on me that our youngest daughter is going to be 16 in a few weeks’ time. Sixteen years ago, all the talk was about millennium babies and Y2K...

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IFA Exeter
Inheritance tax November 2015
A voluntary levy for those who do not plan ahead - Part 3
 

Over the last few weeks we have looked at the easy options to reduce inheritance tax (IHT) and the current and proposed IHT allowances. From here, things become more complex.

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IFA Exeter
Inheritance tax October 2015
A voluntary levy for those who do not plan ahead - Part 2
 

Research does not always produce the result you would expect. We often hear that the Inheritance tax [IHT] nil rate band needs to rise due to the increase in house prices.

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IFA Exeter
Inheritance tax October 2015
A voluntary levy for those who do not plan ahead - Part 1
 

Roy Jenkins famously quipped “Inheritance Tax; it is broadly speaking, a voluntary levy paid by those who distrust their heirs more than they dislike the Inland Revenue”.

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IFA Exeter
Fear, hope, greed September 2015
Whenever the markets are in a state of negative volatility people come out with their favourite Warren Buffett quotes.
 

There seems to be a quote for every occasion and choosing a favourite is not easy. I do not have a favourite, but here are some that spring to mind.

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IFA Exeter
Market Fluctuations September 2015
are normal and expected, prepare for the downs, the ups will take care of themselves.
 

So much for the markets being on a slow simmer for the summer, the Chinese crisis that I mentioned a few weeks ago is causing a full blown equity market correction to put the Euro/Greek crisis in the shade.

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IFA Exeter
The trend of change August 2015
can give an insight to the future
 

With the stock market turned down to a low simmer for the summer holidays we have a little time to reflect on the budget.

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IFA Exeter
The Euro Decline August 2015
Who are the winners and losers?
 

The Greek Crisis has reached a hiatus for the summer. Elections in a number of Euro zone countries later in the year may reignite the Euro debate.

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IFA Exeter
Crisis?... July 2015
It is more a case of 'Which Crisis?' than ' What Crisis' these days
 

All investors are aware of market risk and most understand the effect that inflation can have on their savings. However, much less attention is paid to political risk.

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