Financial planning insights
Here we've collated our thought leadership, news and views from our financial planning team.
Investment Update: Budget 2023: Goodbye lifetime allowance
Better economic forecasts open the door to big tax breaks on pensions and business investment, maintaining the energy price cap, and benefit reforms to encourage more into the workforce.
Read time: 7 mins
Will-ingly plan your future
Emma Watson, head of financial planning at Rathbones Group Plc shares some things to consider when it comes to sorting your financial affairs and writing your will.
Read time: 3 mins
How to boost your retirement income
If you’ve not yet started to draw your State Pension, you may find that buying extra National Insurance years can boost your income.
Read time: 3 mins
How to manage your finances whilst in a relationship - don't let money break your heart
Emma Watson, head of financial planning at Rathbones Group Plc, shares her top tips on how to manage finances as a couple.
Read time: 5 mins
Year-End Tax Planning: Use them or lose them
Make sure you’re not paying more tax than necessary by taking advantage of all your annual allowances. Here’s what you need to know.
Read time: 4 mins
Philanthropy for all
Charities and good causes are desperately in need of support in the wake of the COVID-19 pandemic. Here we consider how to make your contribution most effective.
Read time: 10 mins
How to protect yourself financially during a divorce
Emma Watson, head of financial planning and advisory services at Rathbones, gives her key considerations for protecting your long-term finances during a divorce.
Read time: 5 mins
Stocking-stuffer tips for budgeting this Christmas
Christmas is upon us and many will be keen to get a head start on planning for the festive season, whether that’s organising food shops, festive activities, or Christmas shopping for presents.
Read time: 3 mins
Paying for care in later life
The UK government is introducing new legislation that promises to transform the way care in later life is funded in England. But it may pay clients to read beyond the headlines.
Read time: 6 mins
Time to talk about money – and plan your financial future with confidence
Here are seven top financial planning tips to help you, and your loved ones, make the most of your money and prepare for the future.
Read time: 9 mins
If not now, when?
The COVID-19 pandemic has forced many people to come to terms with their own mortality, which has created a spike in the number of people writing wills.
Read time: 4 mins
Back to basics – jargon busting and five key tips on pensions
Whatever your personal wealth, the tax benefits of a pension make it one of the most important tools to ensure you can enjoy a comfortable retirement, however jargon and a lack of knowledge can prevent many from saving as much as they can into their pension.
Read time: 4 mins
How to pass wealth on to the next generation
Most of us aspire to pass wealth on to the next generation, but unless you manage the process carefully you can end up needlessly losing hundreds of thousands of pounds to taxation. Though it pays to take professional advice, here we suggest some general issues to consider.
Read time: 6 mins
Managing finances as a couple
Emma Watson, head of financial planning and advisory services at Rathbones, shares her top tips on how to manage finances as a couple.
Read time: 5 mins
COVID takes a toll on women’s finances
Educate and empower to level the playing field
Read time: 4 mins
Post-settlement financial considerations for the newly divorced
In September we took a closer look at the importance of putting the right team together when getting divorced and the important actions and considerations in the pre-settlement phase. We’ve revisited this now to look specifically at the period immediately post settlement.
Read time: 5 mins
Earn nowt to help out?
National Savings & Investments (NS&I) has long been the preferred haven for many cash savers but the institution’s announcement that it is to slash the returns on its products may force them to rethink. But what are the alternatives?
Read time: 6 mins
Putting the right team together
Divorce is one of the toughest times in anyone’s life. A ‘team of experts’ approach from the outset is essential to securing the right financial outcome from divorce.
Read time: 5 mins
Get ready for a change to capital gains tax
Chancellor Rishi Sunak has written to the Office for Tax Simplification, calling for a review of capital gains tax (CGT). What might the Chancellor do — and how can investors limit their exposure to the tax if it rises as sharply as many expect?
Read time: 5 mins
Sorting your financial affairs
The lockdown has put pressure on many households, like those juggling work and childcare or home schooling. But it has given others time to catch up on tasks they have been putting off. Here we offer a helpful list of financial affairs jobs that people often procrastinate over.
Read time: 7 mins
Reaching for financial equality
Emma Watson, head of financial planning at Rathbones, looks back at the history of the financial inequalities between genders, and where we are today.
Read time: 5 mins
Gifting with confidence
Emma Watson, head of financial planning at Rathbones, highlights how planning can help clients when passing on their wealth while protecting their own financial future.
Read time: 3 mins
Planning on a long life?
As a nation, we are living longer than ever. This is a cause for celebration, but it means planning ahead for care in later life has never been more important.
Read time: 4 mins
Financial planning: estate of the nation
Passing on wealth has never cost the UK so much. Inheritance tax (IHT) receipts are surging and reached a record £4.9 billion last year. With property prices rising and IHT allowances frozen until 2021, that trend is likely to continue.
Read time: 5 mins
Heirs and graces
According to a recent YouGov survey, fewer than four out of 10 adults in England and Wales have a will. No-one likes to think of what will happen when we die, but failure to plan can have serious consequences for loved ones.
Read time: 5 mins