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Planning aspects

Take control of your finances and enhance your prosperity by visiting our planning guides. They will take you through the essentials of financial planning, from using your personal tax reliefs to making a will.

Failing to plan is like planning to fail - start here to look at key planning opportunities.

Claiming tax deductible expenses when employed

Very few expenses are tax-deductible from earnings from employment, though a number of settled tax cases have confirmed that the scope is wider than previously thought.
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Financial planning for life

Throughout life, from childhood to retirement, circumstances and priorities change. At every stage it is important to make well-informed decisions to ensure that you and your family are following the best strategies for achieving your goals.
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Planning for a year's prosperity

Ideas for minimising your liability to income tax, capital gains tax, inheritance tax, and a look at tax reliefs available for pension contributions.
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Giving to charity

Gift Aid is the main vehicle for tax efficient giving to charities. It applies to any donation whether large or small, regular or one-off.
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Tax planning guidelines

Tax planning is a year-round activity - and a very important part of your overall financial strategy.
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Building your wealth

Making your savings grow and being able to retire when and how you want is one of your most important financial objectives. But achieving this goal takes planning and perseverance.
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Planning for retirement

For many people their retirement plans have been devastated by various falls in stock markets, low annuity rates and the lack of growth in the buy-to-let marketplace. How will the removal of the requirement to buy an annuity affect you? Many may question what chance there is of a 'comfortable retirement'?
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Planning for you and your family

No matter what your age, personal or financial status, you will have dreams, and expectations. With the impact of the ongoing flat economy also necessitating further review, we can advise and help you plan how to make your goals a reality.
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Tax planning for businesses

If you are thinking of starting a business, you should consider, among other factors, the impact of being the business owner on all areas of your life and the degree of risk involved. Devising a strong business plan is essential to aid and help you navigate the direction of the business.
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Does your estate planning pass the test?

It is never too early to plan your estate. If it is large, it could be exposed to inheritance tax at 40%, and if it is small, advance planning can help you ensure that your assets will go to your chosen beneficiaries. Currently only 3% of settled estates have a liability to IHT and the average IHT payable is about £200,000.
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Inheritance tax planning

Planning to minimise the liability to IHT is a team effort involving you and your professional adviser. To enable long-term planning to be set in place, it is important to carefully consider your planning options before making decisions about your financial planning and the distribution of your estate.
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Making a Will and other related matters

Making a Will is one of the most fundamental aspects of estate planning, yet many people do not appreciate its importance.
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Funding your children's education, a £45,000+ debt?

Every parent wants to give their children the best possible start in life - but the prospect of funding a child's education right through to university can be daunting. However, with careful planning and good advice, you can minimise those education headaches.
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