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Social Impact Investment – Avoid Harm, Do Good, Make Money

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For the past 25 years I have been asking people what they want from their investments. The top five requirements have been: 100% security – I want my money to always be there if I need it Low volatility – I don’t want ...

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How The Autumn Budget Might Impact You

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Tax Rates and Allowances Everyone gets the benefit of an increased personal allowance. This means that no one pays tax until they earn over £11,850 per annum. The savings income zero percent starting band stays at £5,000 ...

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Do You Have A Personal Pension? (Nomination of Beneficiaries)

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If you do you may need to take some immediate action because of recent changes in pension law. It’s about what happens to your pension if you die. Last year’s Pension Freedom legislation brought in changes to how death ...

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A Festive Financial Reflection

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The amount is not important I once glimpsed a social media posting between some schoolboys comparing their Santa Claus haul. Each item was assessed not by considering the giver of the gift but by its value in sterling. ...

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Marriage Allowance

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This tax allowance allows you to transfer £1,100 of your personal allowance to your husband, wife or civil partner.   It can reduce their tax bill by up to £220 a year. There are certain eligibility rules but if you ...

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Social Investment Tax Relief

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Much as we might like it, when it comes to investment we can’t have our cake and eat it.  However, if you are someone who would like to see a positive social return, as well a financial return on your money, then you may ...

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3 ways to make the most of your state pension

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Here are three things you can do to boost your State Pension: If you have already retired (before April 2016) you can boost your state pension income by making a lump sum investment known as the “State Pension top up”. ...

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Flowers McEwan Has Moved Offices!

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That title may sound a bit grand but actually we are only moving a stone’s throw from our previous offices (where we’ve been for five and a half years). We’ve decided to take advantage of low property prices to invest ...

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Dividend taxation is changing

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The way dividends are taxed will change from April 2016.  If you own a limited company and pay yourself by means of dividends this will affect you the most.  People who have higher levels of dividend income from ...

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Changes to care costs deferred

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A key concern for many of our clients is paying for long term care sometime in the future. Proposals for improvements to the system have been floated but won’t see the light of day for another five years at least. The ...

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