Investing in your Child’s Future
While many parents value the standard of education offered by independent schools or universities, the costs can be daunting. However, with careful planning, it may be possible to avoid a huge outstanding student loan or tax burden...
Market Review August 2018: August Angst
Since 2008 , August has regularly proved a challenging month for financial markets, this trend continued last month. Investors had to digest the reintroduction of US sanctions against Iran, new tensions between Turkey and the US and a deterioration of trade talks between the US and China...
The Pension Countdown has Begun
When you are at the point of retiring, the new pension freedoms have opened up all sorts of alternative strategies to taking your pension benefits. The very concept of retirement is changing...
Back to the Future
Have you ever thought about writing a letter to yourselfto describe your ideal future life, long-term life goals and the process of how to plan for them? Imagining what you want your life to be like in the long term when you retire can help you think much further ahead than you might ever have done before...
Market Review July 2018: Is the sun set to shine on the Equity markets?
July was a month where the negative headlines seemed to take a back seat as a wave of positivity and optimism swept the nation; comparisons were being drawn between the recent weather and the scorching summer of 1976, the three lions finally reconnected with the public and Geraint Thomas became the third Briton to win the Tour de France...
Guide to Inheritance Tax
When we die, we like to imagine that we can pass on our assets to our loved ones so that they can benefit from them. In order for them to benefit fully from your assets, it is important to consider the impact of Inheritance Tax...
To Transfer or not to Transfer
More than 100,000 people transferred out of Defined Benefit (DB) pensions in 2017/18. A DB pension scheme is one where the amount you’re paid is based on how many years you’ve worked for your employer and the salary you’ve earned...
Taking Your Pension
Under the new flexible pension freedoms rules, you can now mix and match various options, using different parts of one pension pot or using separate or combined pots...
Market Review June 2018: The Rise & Rise of Populism
Populism was once again at the forefront of the political landscape in June with Italy and Germany taking centre stage. This, coupled with Donald Trump’s insatiable desire for the limelight, made June a fairly volatile and unpredictable month in the equity markets...
Is inflation back? Don’t panic.
Is inflation back? After two years when consumer prices in the UK barely rose, the annual rate of inflation has risen above the Bank of England’s (BoE) target of 2% in 2017. The combination of high inflation and limited wage growth – as well as uncertainty about the terms on which Britain will leave the European union in 2019...
Tax Matters!
It’s important to consider the tax implications of making financial decisions. The 2018/19 tax year is now upon us and a raft of new changes have come into force. The good news is that there is little change in the overall tax burden for basic-rate taxpayers...
On Our Bikes For Charity
Lending our time, support and money to a variety of charitable causes means a great deal to all of us at Vizion Wealth LLP and this month, myself, along with my wife Sue and 25 other riders, will return to the saddle to ride over 320 miles in 3 days to raise funds for Milton Keynes Rugby Club...
Financial Resilience
Over three million working couples are classed as ‘double income, no option’ (dinos), which means they are potentially financially vulnerable if one of the two loses their earnings...
How to Make the Most of your Retirement
Even if retirement isn’t far away, there are steps you could take to increase your eventual retirement income. This applies both to your state pension entitlement as well as to any personal or workplace pension pots...
Financial Freedom
Our life is an endless series of daily choices, and how we manage those choices determines the outcome of our life. We all want financial freedom, but how will we achieve it? Financial goal-setting is the key to building wealth...
Tips to Minimise the Tax You Pay
As we near the 2017/18 tax year end on 5 April, if appropriate to your particular situation, we’ve provided some tax planning tips to help you maximise the use of your various tax allowances and minimise the tax you pay...
Your Wealth, Your Legacy
If you have significant assets, you may be wondering whether inheritance tax (IHT) affects you. Worryingly, some families appear to be shying away from difficult conversations, as almost half (47%) of UK adults say they have never discussed inheritance matters...
Making Solid Financial Resolutions
The new year is the perfect time to overhaul your life for the better, and one excellent place to start is by making solid financial resolutions that can help get you closer to your money goals, whether it’s increasing your retirement savings or setting enough money aside for a down payment on a house...
Savings Black Hole?
Millions of Britons could see their savings shrink, as they don’t know how to shield them from the threat of rising inflation. Currently, UK savers are hoarding over £60 billion in cash for long-term savings and investments, which stands to be eroded by £1.5 billion this year, as a result of higher inflation...
Turbocharge Your Pension
If you’re still working, what kind of life would you like to lead when you’ve said goodbye to the 9-to-5? Saving for your retirement is essential if you want the financial freedom to enjoy your later years. After all, you’ll still want to do all the things you love now – and probably a few others too...