News Listings.

Independent financial adviser, Edinburgh, Fife and UK IFA

Setting up a trust for a child or grandchild

Wednesday, 13 April 2016

This is a transcript of an article we wrote for the Telegraph, in response to a reader's question: "I am an executor in the will of my late father-in-law and he has left £15,000 to a granddaughter f ...


Independent financial advice on tax and estate planning, Edinburgh, Fife and UK IFA

Giving your house to your children

Sunday, 3 April 2016

Quite a few clients ask us if it is worth giving their residential property to their children, but continuing to stay in it. There are two motivations for this: a) Cutting an eventual inheritance tax ...


Mortgage advice, Edinburgh, Fife and UK

Never owned a home? Get a Help to Buy ISA

Wednesday, 16 March 2016

With a Help-to-Buy ISA you are able to save up to £200 per month, plus an initial deposit of up to £1,000. You can hold the ISA for as long as you want, and if you use the proceeds to buy a resident ...


Are you paying 60 percent tax?

Monday, 14 March 2016

Most taxpayers in the UK have a personal income tax allowance, which means that on the first £10,600 of your income (£11,000 from April 2016) you pay no income tax. However, if you earn more th ...


Independent pension consultant - Edinburgh, Fife and UK IFA

How to earn state pension entitlement

Thursday, 3 March 2016

Entitlement to the state pension is earned via making national insurance contributions, or being given “free” national insurance credits by the government (see below for a list of who gets these). ...


Why investing in lots of stockmarkets is better than just owning one

Don't just own UK equities

Saturday, 27 February 2016

Many new clients we meet have all their investments in the UK stockmarket. Having all your money in the stockmarket is a pretty high risk strategy, and we wouldn't recommend it to any but the most adv ...


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