Expert Opinion

How Much Money Can You Gift without Tax?

Jonathan, July 1st, 2017

How much money can you gift without tax? We answer the question of how much money can you gift without tax and offer our top-level advice for inheritance tax planning. See also: Our Comprehensive Guide to Inheritance Tax Planning Trust Planning & Gifting: An Overview What Is a Trustee? The Roles and […]

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So, it is a hung Parliament…

Jonathan, June 9th, 2017

As dawn breaks, the morning light reveals yet another political gamble that has not paid off for the dice roller.  The UK has a hung Parliament, with no party holding an absolute majority.  Such is the unpredictability of a parliamentary democracy.  If you ask the people of the UK what they think, […]

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How deep is your risk?

Dominic, June 6th, 2017

All investors know that they need to take risks in order to achieve returns higher than cash. If you asked ten investors if equities were more risky than cash, most would agree; but that depends on how one understands risk. The investment industry has done a poor job of explaining risk as […]

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Our Comprehensive Guide to Inheritance Tax Planning

Jonathan, June 5th, 2017

Inheritance tax planning advice Inheritance tax planning is something many people delay thinking about. Even those with a sizeable portfolio tend to neglect this area of their wealth management. However it is important to appreciate the implications this can have for your estate, the impact inheritance tax can have on your loved […]

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EWM portfolio and funds review | Spring 2017

Jonathan, May 16th, 2017

In our last blog, we wrote about behavioural biases and how they can affect us all as investors by pulling us off course if we succumb to their siren call. Let’s face it, if we wanted to, we could find plenty of reasons in the 24 hour news feeds every day to […]

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These foolish things…

Dominic, April 26th, 2017

As investors, we have to contend not only with the erratic and unpredictable nature of markets but also the erratic and irrational way in which we think and behave. ‘‘If I have learned anything in my 52 years in this marvellous field, it is that, for a given individual or institution, the […]

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Why Does Diversification of Investments Reduce Risk?

Jonathan, March 8th, 2017

Diversification helps you protect invested capital If you’re thinking about investing money, the chances are that you’ll have encountered the term “diversification” but might not know exactly what it means or why it’s important. Why does diversification reduce risk? While diversification may sound like a fund manager’s buzzword, it’s actually a crucial […]

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Pension Investments: The Rules and Regulations Explained

Dominic, February 3rd, 2017

Understanding pension investments The security of a state pension can tempt many people into putting off personal pension investments. But the sooner you start saving, the better off you will be when the time comes to retire, enabling you to enjoy your retirement with friends and family and save for essential outgoings […]

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If I were a rich man…

Jonathan, February 1st, 2017

We tend to assume that wealth is accumulated over time, often growing fastest in the later working years. Yet, in a broader sense, we are all born with wealth in the form of human capital, which represents the value of the earning potential that we have over our working lifetime. As younger people have a long time to go before they will need the money, the advice they receive is often that excess earnings should be invested predominantly in equities. A subtler approach takes into account the attributes of each person’s human capital which ranges from bond-like to equity-like in nature.

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Will I Have to Pay for My Care Home?

Jonathan, January 6th, 2017

Understanding the cost of care homes As time goes on, financial planning for the future becomes more important. For those of us looking to ensure we’re comfortable into our later years, calculating the cost of care homes is an essential part of that planning. It may seem far off for some, but […]

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Jonathan - I would like to say how much Tricia and I appreciated the time we spent with you yesterday. It was helpful, constructive and informative. You have a very real talent to summarise and deliver complex messages in a meaningful empathetic way. We very much look forward to taking the next steps. Mike & Tricia Buckingham
T: 01993 772467      F: 01993 775067      E: advice@expertwealth.co.uk

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