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Here’s a summary of the major points from Chancellor George Osborne’s Budget, delivered on 20th March 2013, which have the biggest impact for our clients and their families Tax & Duty The limit of tax free earnings will be increased to £10,000 in 2014 Corporation tax for businesses to

This year Chancellor George Osborne has tried to bring a bit of cheer in his 2013 budget. OK maybe he didn’t set out to, but it was a welcome (if unintended) consequence.  Looking past the usual round of spending announcements, budget cuts and growth forecasts there were a few planning

We are delighted to announce that our Director and Financial Planner Huw Jones has passed his assessment to become a CERTIFIED FINANCIAL PLANNERCM professional. The prestigious CFPCM certification is held by less than 1000 professionals in the UK and a global community of 150,000. The path to becoming

At Proposito Financial Planning we’ve been “doing fees” for a long time. In fact ever since May 2005 that’s the only way we have done any work for anyone. So we think we’re more experienced than most when it comes to getting the fee right.

Recent changes to Child Benefit have resulted in 155,000 people deciding to stop receiving payments, according to HMRC (as at 31st December 2012). If you aren’t one of the 155,000 people who have opted out and your earnings are over £50,000, then you will have to complete a

In the day and age of the ‘paperless’ office everyone (including us!) can still be found guilty of using too much paper. However we have still found a way to give back and remain compliant by shredding and recycling securely our unwanted paper. In the past 3 years we have

There are many people who think using a Financial Planner is a waste of time and money. However, there are more and more more people working past State Pension age to ensure their standard living doesn’t suffer. The question is – would you rather continue working

Bank of England interest rates will remain unchanged at their record low of 0.5% making it 4 years since the last rate change, back in March 2009. Despite pressure for The Bank of England’s Monetary Policy Committee (MPC) to do more to help support the economy, the nine-man committee have decided

Money only has one property which is of any use to anyone: IT CAN BE SPENT It confers no other properties on the owner. Absolutely none. This is a fact we often have to remind our clients. There is no point accumulating wealth just for the sake of it. If

Heavy snow is falling on our clients across Wales and the South West this morning (Friday 18th Janaury 2013). We have taken the decision to close the office today. All staff are working from home today and we will be maintaining our usual full service (one of the advantages

We are delighted to announce that we have been shortlisted for a National award. The Money Marketing Awards are considered to be one of the primary events in the financial services calendar and is an opportunity for financial services organisations to celebrate the industry’s finest. Proposito have been shortlisted in the

My brother has just had his first child. Ethan was born just a few days ago and mother and baby are doing brilliantly. Dad’s a bit dazed and confused but I told him that eventually he’d get used to it and would eventually consider that state of mind to

Proposito Financial Planning would like to wish a very Happy Christmas and a prosperous 2013 to all our clients, professional connections and friends. This year we have again decided to make a donation to charity rather than send out Christmas cards. For the second year running we have chosen

It’s that time of year again when I have to decide whether this year, I send Christmas cards or send money to a worthwhile charity. I dread writing them and even though I like to receive them, I do dread them cluttering up my shelves and table tops.

It appears that a severe drought (certainly not in the UK) and the resulting increased cost of bird feed has had a profound effect on the cost of Christmas this year. Buying all the presents in the “The 12 days of Christmas” carol has hit an all time high