Welcome to our latest edition.  We aim to help you create the lifestyle you want and believe that anything is possible if you manage your finances in the right way

Inside this issue, we look at why it’s important to consider the tax implications of making financial decisions. The 2018/19 tax year is now upon us, and a raft of new changes have come into force. The good news is that there is little change in the overall tax burden for basic-rate taxpayers. However, there are number of areas that have changed that should be taken note of. On page 08, we look at what you need to know about the 2018/19 tax year changes and new initiatives and much more…

Welcome to our Guide to Retirement Planning. In recent years, retirement has become more about the opportunity to enjoy your life after work. Your finances are a huge part of achieving that. With the maximum State Pension currently £8,546.20 (2018/19) a year, you’ll need to decide if this is going to be enough for you to live on when you retire

To discuss your situation, please contact us – we look forward to hearing from you

Need help navigating the complex tax maze?
The UK tax system continues to grow ever more complex, with a greater responsibility being placed on the individual to get their tax right. To review your situation or discuss the options available.
Please contact us for further information – we look forward to hearing from you or arrange a meeting

Safeguarding more of what is rightfully yours for future generations

When we die, we like to imagine that we can pass on our assets to our loved ones so that they can benefit from them. In order for them to benefit fully from your assets, it is important to consider the impact of Inheritance Tax

Welcome to our latest edition.  Whether you are looking to create, protect or preserve your wealth for future generations, inside this issue we look at areas you may wish to discuss with us

Don’t let global uncertainties affect your financial planning for the years ahead

The overall direction of developed stock markets is a relentless and continual rise in value over the very long term, punctuated by falls.  It’s important not to let global uncertainties affect your financial planning for the years ahead. Individuals who stop their investment planning, particularly during market downturns, can often miss out on opportunities to invest at lower prices

We’re here to help. We’ll assess your preferred level of risk and investment time horizon to help you reach your goals.  Want to discuss your situation or require further information? Please contact us

Welcome to our Guide to Lifestyle Planning.  Looking for a clearer picture about your financial plans?
Lifestyle planning will help you stay in control of your financial future by giving a more holistic planning approach and clearer picture of the consequences of change on an ongoing basis. It also helps to give an idea of when certain key decisions should be made, such as retiring early or downsizing a property.  For more information, or to discuss how we could assist you, please contact us

Worried about how you’ll pay the bills if you’re off work due to an illness or injury?
When you suffer a serious illness or injury, the last thing you should worry about is how you’ll pay the bills while you’re off work. After all, what if your sick pay should run out while you’re still recovering?
To discuss your situation or for further information, please contact us

Welcome to our first edition of 2018.  The New Year is the perfect time to overhaul your life for the better, and one excellent place to start is by making solid financial resolutions that can help get you closer to your money goals, whether it’s increasing your retirement provision, looking to mitigate a potential Inheritance Tax bill or reviewing your level of protection in the event of an unexpected event

The full list of the articles featured in this issue is worth a read. To discuss any of the articles featured, please contact us

Time to carry out a review of your tax and financial affairs?

The end of the tax year on 5 April is once again looming large on the horizon. It is important to ensure that if you have not done so already, you should take the time to carry out a review of your tax and financial affairs to identify any tax planning opportunities and take action before it’s too late

To discuss your situation or for further information, please contact us

Obtaining the right legal and financial guidance and support is vital when dealing with pensions (and indeed the other assets and financial issues) in the event of a divorce

Divorce and pensions are very significant. A pension could be a couple’s most valuable matrimonial asset, in some cases worth more than the equity in the family home. As such, it is important that pensions are considered in the financial settlement if a couple decides to divorce or dissolve their registered civil partnership. All the money you’ve saved into it (except for your basic State Pension) will be taken into account when your assets are divided

To discuss your situation or for further information, please contact us

Welcome to our Guide to Estate Preservation. Wealth transfer has become an important issue for many families today. We all have different objectives in life and need different strategies to help achieve them. This is precisely why we offer a personalised estate preservation planning service. We can help you build a strategy that provides financial support to your family and helps you pass on more of your wealth in the most tax-efficient way –
please call us to arrange an appointment or ask any questions you may have

Although during out adult lives we conduct many important financial transactions that will affect not only our future but those of our loved ones after we are gone, research has shown that a staggering 50% of over 65’s have not even made a will let alone left details of where their important documents are kept!

Clear Solutions have provided a very practical Asset Locator Guide pack. A valuable tool for peace of mind… For more information please click this button link below:

By understanding your vision, motivations, core values and everything else that is close to your heart, we can begin to create your very own bespoke succession planning solution. We open a dialogue and begin a partnership across generations for generations. To discuss your options, please contact us

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Welcome to the final issue for 2017, featuring news, opinion, insights and analysis to help you navigate the complexities of today’s financial world

The full list of the articles featured in this issue you’ll find as you click the link below. To ensure your wealth is working for you or to discuss any of the articles featured inside this issue, please contact us

Click here to download your latest Guide

In our Guide to Self-Invested Personal Pensions, we look at how the retirement landscape over the past few years has fundamentally changed for the better, giving people more choice and control over their retirement income. We can help you to structure the right retirement income for your requirements and help you make the choices to meet your needs

Saving in a tax-efficient manner towards your pension is always desirable, and Self-Invested Personal Pensions make this possible, along with the added benefit of flexibility – to discuss the options available, please contact us

Click here to download your latest Guide

Investing for a child’s future is one of the most important things you can do
Whether you save little and often or have bigger sums of money to invest, keep going over a few years and you can build up a really useful amount. It can go a long way to setting them on the road to becoming independent or helping them with university or housing costs

To discuss the options available, please contact us

Click here to download your latest Guide

Looking to achieve a better rate of return than you currently receive from your savings account?

To achieve a better rate of return than you would typically get from a savings account, you need to accept more risk. That means getting comfortable with the fact that your investments can go down as well as up and the original capital is at risk.

To discuss your income-generating options, please contact us

Click here to download the Guide

Stock markets may be a riskier home for your savings, but higher rewards may be possible if you plan and take a longer-term view. Over longer periods, stocks and shares tend to deliver a superior return to cash, despite periodic bouts of volatility

If you’re starting to think about investing, Individual Savings Account (ISAs) could be a good place to start. For many people, one way to invest in stocks and shares is through an ISA. But there’s no substitute for professional financial advice, which is essential to ensure that an assessment of your personal circumstances and attitude to risk is made before making investment decisions. So whether you’re a novice or an experienced investor, we can help you get the most from your 2017/2018 ISA allowance

Click here to download your latest Guide

Welcome to our latest issue. Will you be one of the six million workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68?

The full list of the articles featured in this issue appears when you click the link below. To discuss any of the articles featured, please contact us

Click here to download your latest Guide