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The everyday choices we make all have impacts on our planet. Our changing climate is making it harder to live in many parts of the world, often affecting some of the most disadvantaged communities. People are starting to realise that change is imminent and necessary. Every little thing we do daily has an impact on the planet, from our dietary…

People thinking more about their spending and financial priorities The coronavirus (COVID-19) pandemic has lead to more people re-thinking how they spend and manage their money, with more than half (51%) now prioritising saving for an unexpected event or loss of income, research published suggests. A third (32%) are setting aside money. This reflects Bank of England estimates that more…

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 you die within seven years…

Plan for tomorrow, live for today Change is the only constant in life. It inevitably involves twists and turns, with some that are expected while others may be entirely unplanned. When this happens, it’s important to feel secure with the knowledge that you have the right contingency plan in place. None of us can predict exactly what a life-changing event…

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. 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 of your estate. Your estate’s…

Taking Time to Understand Your Financial Plans Will Really Pay Off. At the start of every year we have great intentions, as financial promises are renewed. Getting our financial life in order will be a top priority for many as we enter 2021. Consider focusing on two key areas: goals related to being prepared for the unexpected this year, and…

Our newest podcast episode is now live, https://linktr.ee/fourwordpodcast This episode is called 'Circular World of Fashion' and the four words we are thinking of this week are, Design Consumption Responsibility Transparency In the wake of Black Friday and Christmas shopping, we’re offering something a little less finance-focused by looking into the world of eco-friendly fashion.  Our Christmas parties might look…