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Smart Money January/February
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Smart Money January/February

With the current tax year having begun on 6 April 2022, the clock is ticking and it is important to utilise all the tax reliefs and allowances available to you before 5 April 2023 in order to minimise any potential liabilities. On page 08, we look at the way [..]


The 2022/23 end of tax year guide
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The 2022/23 end of tax year guide

The 2022/23 tax year ends on Wednesday 5 April. After this date, many allowances will reset, so it could be your last chance to use some of them. Making the most of allowances can reduce your tax liability and help your money to go further. Reviewing your finances [..]


New Year resolutions to boost financial wellbeing
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New Year resolutions to boost financial wellbeing

At the start of a new year, it’s common to reflect on what you want to achieve over the next 12 months, and to set out some goals. According to a YouGov poll, around 1 in 6 Brits make a new year resolution. While improving fitness and doing more exercise in the [..]


Smart Money November/December
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Smart Money November/December

Welcome to our latest edition. As the cost of living continues to soar, with inflation reaching a 40-year high, the impact on household finances is taking its toll. But it is essential to try to maintain a savings habit even in the current climate. On page 10 we [..]


Rejuvenating the BCT pension; meeting sustainability requirements whilst reducing charges
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Rejuvenating the BCT pension; meeting sustainability requirements whilst reducing charges

The Bat Conservation Trust (BCT) is a UK not for profit organisation devoted to the conservation of bats and the landscapes on which they rely. In 2021 BCT chose to review their pension offering, wanting a scheme that was aligned with their values around [..]


The parents’ guide to paying for university and student loans
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The parents’ guide to paying for university and student loans

If your child will be going to university this year or is planning to further their education in the future, you undoubtedly feel proud. However, you may also worry about what it means for your child financially. That’s because, in recent years, the cost of [..]


Mini-Budget 2022
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Mini-Budget 2022

The Chancellor of the Exchequer, Kwasi Kwarteng, announced on Friday 23 September his Growth Plan 2022 to release the huge potential in the British economy by tackling high energy costs and inflation and delivering higher productivity and wages. This is the biggest [..]


Smart Money September/October
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Smart Money September/October

Welcome to our latest edition. Rising living costs have been so significant in recent months that most UK households will have noticed a squeeze on their monthly budgets. Not only does this have a direct impact on people’s lifestyles, even though they are making [..]


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