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Tax – Inheritance Tax CS Talking Money

Keeping it in the Family Careful planning can reduce or even eliminate the Inheritance Tax payable Intergenerational planning helps you put financial measures in place to benefit your children later in life, and possibly even your future grandchildren, so it’s...

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Tax Planning – Plan CS Talking Money

Plan, Prepare At this time of year, we think about New Year’s resolutions, and it’s also a good time to start planning our tax affairs before the end of the tax year on 5 April. As you think about 2019 and your goals for the coming year, we can help to start you off...

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Investment – Income CS Talking Money

Income Seekers Not putting all your eggs in one basket Everybody has investment goals in their life, from the old adage of saving for a rainy day to planning a comfortable retirement. There are many reasons why investors might seek an income stream from their...

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Retirement – Big Picture CS Talking Money

Looking at the Big Retirement Picture Considering making contributions ahead of the tax year end? Investing for the future is vital if you want to enjoy a financially secure retirement, and it requires you to look at the big picture. Although pensions can be...

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Retirement – Plan – CS Talking Money

For the Life You Want Building up your nest egg is more discipline than difficult For today’s retirees, retirement has changed almost beyond recognition since their parents’ day. Building a retirement fund requires saving enough money to pay your bills and continue...

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Inheritance Tax – September/October 2018

Passing assets efficiently to the next generation remains a primary objective for many There are many things to consider when looking to protect your family and your home. Protecting your estate is ultimately about securing more of your wealth for your loved ones and...

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Reviewing Your Needs and Goals – November/December 2018

Take the time to think about what you really want from your investments Anything is possible when you manage your money the right way. It’s well worth taking the time to think about what you really want from your investments. Knowing yourself, your needs and goals,...

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Investment Planning – CS Talking Money March/April 2019

No pain, No Gain Planning to get where you want to be Successful saving and investing is arguably a lot like exercise – no pain, no gain. As is the case when undertaking a new fitness regime, if you properly commit yourself and stick to it, the eventual outcomes can...

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Retirement Options – CS Talking Money March/April 2019

Retirement options Greater responsibility on individuals to plan for financial security in old age Deciding what to do with your pension pot is one of the most important decisions you will ever make for your future. The ‘pension freedom’ changes of April 2015...

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Investment ISAS- C S Talking Money March/April 2019

Your ISA, Your Future Time to re-imagine how to invest more tax-efficiently? Each tax year, from the age of 16 we are each given an annual Individual Savings Account (ISA) allowance. The ISA limit for 2018/19 is £20,000, and anyone wishing to utilise their allowance...

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Retirement – C S Talking Money March/April 2019

Life after work Planning for the retirement you deserve Over time, with life expectancy and the cost of living rising, it could mean that some retirees are at risk of running out of pension income in later life. So what can you do to make sure that you have a big...

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Offshore Income and Gains

30 September 2018 - a vitally important date for all those who have, previously undisclosed offshore income and gains.  This is the date by which clients will have had to disclose income and gains and settled any tax liabilities arising So, why is this so important?...

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Stephen Jones named as Financial Adviser of the Year 2018

Stephen Jones wins the Financial Adviser of the Year crown sponsored by LightTower Partners at 2018 Growth Investor Awards Jack Rose, Head of Tax Efficient Investments at LightTower Partners, presented the Financial Adviser of the Year award to Stephen Jones of Clear...

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Turbo Charge Your Pension

IF YOU’RE STILL WORKING, WHAT KIND OF LIFE WOULD YOU LIKE TO LEAD WHEN YOU’VE SAID GOODBYE TO THE 9-TO-5? SAVING FOR YOUR RETIREMENT IS ESSENTIAL IF YOU WANT THE FINANCIAL FREEDOM TO ENJOY YOUR LATER YEARS. AFTER ALL, YOU’LL STILL WANT TO DO ALL THE THINGS YOU LOVE...

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Reaching Your Long-Term Investment Goals

IT IS IMPOSSIBLE FOR INVESTORS TO PREDICT THE FUTURE. SHORT-TERM LOSSES CAN BE UNSETTLING, BUT HOLDING STEADY THROUGH THE UPS AND DOWNS IS THE BEST WAY TO REACH YOUR LONG-TERM INVESTMENT GOALS. A KEY TO SUCCESSFUL INVESTING  IS TO REMAIN FOCUSED ON YOUR LONG-TERM...

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The Diary of a Financial Adviser

  Monday It is Monday morning, which means it's Citizens Advice Bureau time. There are two clients, one of whom has £400,000, but still thinks he can use CAB for free I pointed him to Personal Finance Society's Find an Adviser website. The other needs advice on...

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Downloads

CS Talking Money March/April 2020

Welcome to our latest edition. At the time of writing this issue, Sajid Javid had resigned as Chancellor of the Exchequer with less than a month to go until Budget Day. His replacement, Rishi Sunak, will deliver the Budget on 11 March 2020.

In our next issue, we’ll look at the key Budget announcements and how they could affect your finances

We hope you enjoy this issue. Whether you’re saving for the future, enjoying your retirement or funding care in later life, if you have any further requirements, please contact us – we look forward to hearing from you

 

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CS Guide to Investing for My Future March/April 2020

WILL I ENJOY THE MOMENTS THAT MATTER?

Life can be unpredictable – but by making the right saving and investment choices now, you can make sure you will be able to enjoy the moments that matter.
To discuss your goals and aims, or if you require further information, please contact us – we look forward to hearing from you

 

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CS Guide to Planning My Retirement March/April 2020

A BETTER TOMORROW STARTS WITH UNDERSTANDING TODAY

When the future is unclear, the thought of retirement may well feel more daunting than exciting. Our retirement planning service can help you build the wealth you need to achieve the retirement you deserve.
Don’t leave it to chance – to discuss your requirements, please talk to us

 

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CS Guide to Plannning My Retirement March/April 2020

LOOKING FOR A TAILORED FINANCIAL PLAN GEARED TO YOUR GOALS?

We explore all the different aspects of your goals, taking everything into account to create a financial plan that works for you throughout all of life’s events. Contact us today to discuss how we can help you. Don’t delay – please talk to us

 

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CS Talking Money Jan/Feb 2020

Welcome to our first edition for 2020. Inside this issue, we feature articles covering a number of different topics to help you successfully grow and protect your wealth.  We hope what you read, you will enjoy!

The start of a new year is the perfect time to discuss your financial plans. Please contact us – we look forward to hearing from you

Please read on…

 

CS Setting Financial Goals Jan/Feb 2020

HOW WILL YOU GO ABOUT SETTING YOUR FINANCIAL GOALS THAT YOU’LL ACTUALLY STICK TO?

A new calendar year is always full of hope and promise – a chance to start fresh, which is why many of us take the chance to set financial resolutions.  To discuss your plans for the future and how we can help, please contact us

 

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Guide to Pension Freedoms Jan/Feb 2020

GETTING READY FOR LIFE AFTER WORK?

So you’re approaching the age when it’s time to start thinking about what you’re going to do with your pension money that you’ve been working hard to save all these years.  To discuss how we can help you access your pension money so that it works for you, don’t delay – please talk to us

 

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CS Guide to Estate Preservation Jan/Feb 2020

Welcome to our Guide to Estate Preservation. Effective estate planning aims to ensure that the wealth you have accumulated during your lifetime is distributed to the right people, at the right time and as tax-efficiently as possible

Whatever stage of life you’re at, we can guide you through the opportunities and challenges you may face. If you would like further information or to arrange a meeting, please contact us. We look forward to hearing from you

 

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CS Talking Money Nov/Dec 2019

Welcome to our latest edition. Inside this issue, we look at a number of the topical financial planning stories making the news agenda.  We have squeezed to get the 8 best articles to end the year with, so perhaps a few Christmas nibbles with warm liquid refreshment might be on order with this read!

Here at Clear Solutions we are bringing you the up to date on Talking Money by joining your finances and happiness.  Enjoy the read!

 

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CS Guide to Income Protection Insurance Nov/Dec 2019

You’ve worked hard to get where you are. But just how secure is your lifestyle? If you can’t work because of incapacity due to injury or an illness that results in a loss of earnings, would you be able to cover your monthly living costs?

Don’t leave it to chance – please talk to us

 

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CS Talking Money Sept/Oct 2019

Welcome to the latest issue. At the time of writing, the UK Government said it is ‘ready and willing’ to do a deal to leave the EU if new terms are negotiated with Brussels. But the new Prime Minister, Boris Johnson, has vowed the UK will leave the EU  ‘come what may’ by 31 October – the date the UK must depart if no deal has been reached

Even though we don’t definitively know what the impact of Brexit will be on both the UK’s and other countries’ economies, it  doesn’t mean this is necessarily a bad time to invest internationally

Also inside this issue, we look at how to spot the warning signs if you’re approached by a pensions scammer; consider the winners and losers under the new State Pension; and if you have accumulated a number of pension pots over the years from  different employers, why consolidating them could be appropriate.  Please read on for a full list of the articles featured

 

 

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CS Guide to Estate and Trust Planning Sept/Oct 2019

LOOKING TO PASS ON MORE OF YOUR WEALTH IN THE MOST TAX-EFFICIENT WAY?

Having an effective Estate and Trust Planning strategy in place prepares for every possibility. We can help you provide  financial support to your family and help you pass on more of your wealth in the most tax-efficient way – please call us to arrange an appointment or if you have any concerns about your financial situation

 

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CS Guide to Critical Illness Cover Sept/Oct 2019

WANT TO MAKE YOUR LIFE EASIER IF YOU EVER NEED TO DEAL WITH THE FINANCIAL STRAIN OF A SERIOUS  HEALTH PROBLEM?

Everybody wants to feel that, even if they were diagnosed with a critical illness, they’d be able to cope financially. Critical  Illness Cover enables you to choose how much cover you want, how you want it to pay out and whether you want to  combine  different cover types

Don’t leave it to chance – please talk to us

 

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CS Guide to Understanding Investment Risk Sept/Oct 2019

WANT TO START INVESTING, BUT NOT SURE YOU HAVE THE TIME OR EXPERTISE?

With every financial decision involving some sort of risk, you need to be comfortable with the amount of risk you’re willing to take.  If you’re looking to make informed decisions to improve your chances of achieving your financial goals, please contact us for further information – we look forward to hearing from you

 

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CS Talking Money July/August 2019

Welcome to the latest issue of Talking Money.  Inside, you’ll find an array of articles about how we can help you further to plan, grow, protect and preserve your wealth. As we all know, the ultimate goal money can buy is financial freedom

Make the space, take the time to sit down … you’ll so enjoy the read!

 

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CS Guide to Managing Investment Risk July/August 2019

TIME TO BUILD AN INVESTMENT PORTFOLIO TAILORED SPECIFICALLY FOR YOU?
Investing your money can be a daunting prospect, but good financial planning and professional advice will help you to achieve your long-term goals. Whether you have specific objectives or whether you simply want your investments to keep pace with inflation, we’re here to help
To review your current situation or discuss the options available, please contact us – we look forward to hearing from you

 

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CS Guide to Life Insurance Protection July/August 2019

ARE YOU PREPARED FOR THE UNEXPECTED?

Every family is different, but they often play a big part in our lives. So it’s important to think about how you can protect them against the unexpected as best you can. The earlier you start planning, the earlier you’ll be ready

To discuss your concerns or for further information, we’re here to help – we look forward to hearing from you

 

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CS Guide to Creating the Life You Want July/August 2019

ARE YOU PLANNING FOR THE LIFE YOU WANT?
Having a clear financial plan linked to your lifestyle goals is essential, whether this is working out ways to build an investment portfolio, set up a business, retire early or leave your wealth to your family. We’ll ensure that your strategy encompasses an overall total wealth solution so you can plan for the life you want
For more information, or to discuss how we could assist you, please contact us

 

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Ways to contact us

Clear Solutions Wealth and Tax Management Ltd are registered with the Financial Conduct Authority.
Registration Number 429206-007
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