As the saying goes, “in this world nothing can be certain, except death and taxes.” We can’t do anything about the former, but we can help you when it comes to your tax affairs, using sound financial planning, particularly Inheritance Tax planning.

We know its hard to juggle your money between the bills, having a social life, bringing up the kids and so on, not the mention having the time to think ahead. Especially when it feels like there are decades between now and your retirement. But you do need to think about your pension because if you leave it too late, it is going to cost you dearly to make up for lost time.

Do you wonder what your financial future will look like? Do you wish you knew what to do now, in five years, 10 years and 20 years’ time to make sure you have the money you need to have a happy life and a comfortable retirement?

The Cancer Research UK website states that 1 in 2 people in the UK born after 1960 will be diagnosed with some form of cancer during their lifetime. Their site also has some good news and that is 50% of people survive cancer for 10 or more years. However, during those years how would you survive financially?

Research from Santander shows that if a borrower took out a £200,000 mortgage over 25 years, and paid back an extra £10 per month they could save £1,146 in interest* and become mortgage-free four months earlier. If the borrower overpaid £100 each month on the same mortgage amount and term a saving of £9,948 in interest could be saved and the borrower could be mortgage free three years sooner!

No-one wants to get a phone call saying that a key person in their business is seriously ill, or even worse, has died.

What is really, really important to you? What’s non-negotiable?

Well here we are, almost at the start of the next financial year. That’s 6th April if you are not sure. But there is a lot more going on than usual, with Brexit to name just one, so what does this mean for investors?

We hope it never happens, that you or one of your children get diagnosed with a critical illness. By that we mean things like cancer, multiple sclerosis, stroke and coronary heart disease. Unfortunately, though, such things do happen and the financial impact on the whole family can be devastating.

Life admin tasks are things like paying bills, checking the bank statement and looking after our savings. A recent survey by the Association of Accounting Technicians* found that each adult completes 109 of these tasks every year, and that the average adult has four really important tasks that they need to do but never have enough time to do them!