Tax Implications and the Importance of Professional Advice
Investing money needs careful consideration and you need to be absolutely sure of the risks involved. This section provides generic information on different types of saving & investment. You should seek advice appropriate to your specific circumstances prior to making any decisions.
The value of investments and any income from them can fall as well as rise. You may not get back the amount originally invested.
HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen
Tax concessions are not guaranteed and may change in the future. Tax free means the investor pays no tax.
Investment
Investment Overview
This section is designed to give you a quick look of a range of different investment options available.
Platforms
A platform is a bit like online banking, bringing together all of your investments and letting you view them in one place.
Asset-backed Investments
Each asset-backed investment brings with it it’s own benefits, taxation rules and specific risks, we can talk you through the many different options available.
Individual Savings Accounts (ISAs)
The ISA allowance for 2024/25 is £20,000. This means you can pay £20,000 into ISAs this year from 6 April to 5 April. £20,000 allowance for 2024/25. The tax year runs from 6 April to 5 April.
An ISA is a medium to long term investment, which aims to increase the value of the money you invest for growth or income or both.
The value of your investments and any income from them can fall as well as rise. You may not get back the amount you invested.
Investment
Investing money needs careful consideration and you need to be absolutely sure of the risks involved. This section provides generic information on different types of saving & investment. You should seek advice appropriate to your specific circumstances prior to making any decisions.
Vulnerable Customer
We understand that from time to time our clients may find themselves dealing with circumstances which could mean they are potentially vulnerable. For example, a change in health, caring for a family member or coping with the loss of a loved one. There are many different types of vulnerability, and what makes one person vulnerable might not affect someone else. When we are vulnerable, our need for financial advice may change. However, admitting vulnerability or seeking help can sometimes feel hard.
If this is something you would like to discuss with us, please ask for a copy of our support guide or download a copy here. This guide is designed to help explain vulnerability and the ways in which we might be able to support you. If you feel any of the circumstances in the brochure apply to you, please talk to us.
