March/April 2021

Welcome to our latest edition of Intelligent Wealth.

Following the Government’s announcement of their roadmap out of lockdown, and the country’s vaccination programme rolling out at a pace, we are all starting to see tangible steps in our gradual return to normality.

At the time of publishing, Chancellor of the Exchequer Rishi Sunak was delivering his Budget 2021 speech setting out the next phase of the Government’s plan to tackle the Covid pandemic and protect jobs. We take a look at the key announcements alongside the latest forecasts from the Office for Budget Responsibility in our separate Budget 2021 Guide.

Rest assured that we continue to be committed to bringing you the very best service and we are always here to talk. Your wealth needs to serve you differently at different stages of your life.

Individual life planning should not be a one-off exercise. Your personal circumstances, requirements, expectations and aspirations will develop over time.

That’s why we’re here to support you through life’s adventures and provide the right solution at every step of the way. To discuss how Fairstone can help you plan for life’s journey, please contact us. We look forward to hearing from you.

In this edition of Intelligent Wealth, as we approach tax year end, we take a look at some of the complexities of the tax system. No one likes to pay tax on their hardearned money; without expert professional financial advice, some individuals could be paying more tax than necessary.

If you hold a Cash Individual Savings Account (ISA) you may be dissatisfied with the low rates of interest you receive, which could make it difficult to grow your money even at a rate that keeps pace with inflation.

Responsible, sustainable and environmentally friendly investing is here to stay. But, while demand is growing among all age groups, genders and income bands, some savers and investors are missing their biggest opportunity for responsible investing, which is through their pension.

Have you put in place plans so that your loved ones can receive the most from the estate you intend to leave behind? Even if you believe you have moderate wealth you may still need to take action to minimise Inheritance Tax.

Read articles covering all these financial planning topics in our latest edition.

Market insights

Faced with rising operational costs and regulatory pressures, the challenges of growing a business are increasing. As a result, many business owners...
The structuring and use of earn-outs are very much the norm in the sale of any people-based business owing to the more involved and fluid nature of...
Your clients could dictate when is the right time to sell There is a common misconception amongst IFA business owners that a more mature business...
Whether it is building a personal or a business relationship, the one thing that plays out time and time again, is that forming relationships over a...
Pensions are complicated, so how can you be sure you are doing the right thing? We all want to retire but with a potential pension minefield out...