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With an estimated eight million workers failing to save anything for their old age, the National Employment Savings Trust (NEST) has been designed to try and get people into the savings habit. Many workers don’t take up the offer of joining their workplace pension scheme, or simply don’t

Well the big news dominating the headlines last week was the announcement that there will be a Royal Wedding next year as Prince William and Kate Middleton are set to tie the knot. But as the media work themselves into a frenzy the subject of cost has already been raised, with anti-monarchy and tax

Over the last 12 months there has been a lot of activity going on behind the scenes.  As well as our move away from active investments, we have also reviewed and implemented an investment administration platform.  The final project of the year is to give us a new identity –

News that the UK is putting up £7bn of the £77bn Ireland has accepted from the EU and IMF has helped reassure markets.  The Chancellor, George Osborne said: ‘It is in our national interest to help Ireland.’  Indeed their economy is closely linked to that of the UK.  They are infact

This week we have been putting our full support behind the Financial Planning Week (FPW) initiative, by running a series of free events offering information, tips and ideas to the people of Wiltshire. On Friday we ran a very successful ‘Ask an Advisor’ drop in session at

Consumers may soon be getting a fairer deal on cash ISA’s if the Office of Fair Trading (OFT) upholds a super-complaint issued recently by Consumer Focus. The complaint considers the  £158billion cash ISA market to be unfair, with millions of investors losing out on interest because of the way the market

It may be too late to use your 2009/2010 ISA allowance, however don’t wait until March next year to consider your options or you may be missing more than just the deadline. January through to May is traditionally considered the ‘ISA season’ with almost two thirds of the ISA business taking

So after a month of electioneering, and five days of negotiating, David Cameron has entered No. 10 with Nick Clegg as his ‘right’ hand man. The historic coalition is the first time the Conservatives and Liberal Democrats have had a power-sharing deal at Westminster and the first coalition in the UK

The launch of our new financial planning platform powered by Ascentric has generated a great deal of interest amongst our clients. The platform’s flexibility and transparency in addition to the unbiased and unrestricted choice of tax wrappers supported by a range of investments is appealing to many. Referred to

Recent figures published by the Financial Services Authority indicate that the number of firms authorised to dispense financial advice has fallen for the fifth consecutive quarter. This is no surprise to us at Proposito Financial Planning as we identified a fundamental flaw in the traditional IFA business model many years ago. As

The first day of the new tax year has ushered in many more changes than usual. Today heralds huge changes to the tax landscape for high earners, an increase to the age at which it is possible to take benefits from a personal pension and the start of a phased increase in state pension age for women. 

This tax year effectively ends on the 1st April 2010. No, this is not an April fools joke but the result of a “perfect storm” of dates, days and bank holidays. This year Maundy Thursday is on 1st April 2010, which means that the 2nd April 2010 is Good Friday

If you are an employer then things are about to change…. Not only will all employers be required to offer a pension for ALL employees from 2012, they will be required to make employer contributions and automatically enroll all their employees into a pension scheme.  Those employers that do not want

There is the possibility of some extra money back from HMRC for pensioners.  This comes as HMRC launches its TaxBack campaign, which aims to encourage pensioners who have overpaid tax on interest from savings to claim it back, and register for savings interest to be paid gross in future, if they’re non-taxpayers.

Day 3 of Financial Planning Week and the theme is “Young Families”. Are you confident your financial planning takes into account both your own and your family’s goals. Are they adequately protected in the event of something happening to you? According to a YouGov survey commissioned for Financial Planning