Why planning for the 2021/22 tax year now is a fantastic idea
Have you thought about how you’ll make use of allowances and tax breaks in 2021/22? If you haven’t, you’re not…
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Capital Gains Tax review: 2 things that could change
The government is currently reviewing Capital Gains Tax. It could mean that the allowances or tax bands change, potentially affecting…
Pembroke Financial Money Wise Winter 2021 newsletter
In another lockdown, it can difficult to find reasons to be optimistic, but if you look a little closer there…
6 tax allowances to use before 5 April 2021 to boost your finances
The current tax year ends on 5 April 2021. Some allowances will reset after this date. Making use of them…
Giving to charity: How it can be tax-efficient too
Giving to charity may be part of your financial plan now or in the future. Donations can provide tax benefits…
Our Guide to Individual Savings Accounts (ISAs) for 2020
ISAs, or Individual Savings Accounts, have been around for over 20 years. Back in 1999, then Chancellor Gordon Brown introduced…
12 things to do during lockdown to improve your financial well-being
These are strange and uncertain times during which the UK Government has advised its citizens to remain at home in…
Tax efficient investing in Sussex: VCTs continue to attract investors
The latest statistics from HMRC show that Venture Capital Trusts (VCTs) are increasingly attractive to investors, offering potential tax benefits…
Pembroke Financial Services Winter 2019/2020 Newsletter – Money Wise
What’s next? …into the new decade. 2019 was quite a year. In the final few months of the year the…
What price our tax reliefs? Some of them may be in the next Chancellor’s firing line
Have you ever pondered the overall cost of the tax reliefs which you enjoy when you look at your annual…
The search for yields gets harder
In September the Bank of England held off from following the Federal Reserve (the Fed) and the European Central Bank…
Holding your nerve in volatile times – Autumn Newsletter
Welcome to your Autumn 2019 newsletter. We hope you enjoy reading it. It’s almost impossible these days not to think…
Who are the top 1% of income tax payers?
The top 1% of income tax payers account for 27% of all the UK’s income tax collected, but who are…
A bumpy ride for August on the stock markets
August was a rollercoaster month for international markets with interest rates, trade wars and Brexit contributing to a bumpy ride.…
New prime minister, new tax policies
Boris Johnson took office towards the end of last month with a new chancellor in Sajid Javid, both with different…
Brave new world of Universal Basic Income (UBI)?
If those three letters mean nothing to you now, they may do soon. Universal Basic Income – or UBI -…
Pension flexibility: too taxing for many
Lump sum withdrawals under pension flexibility are resulting in over-paid tax due to emergency tax codes. Don’t be caught out.…
Ringing the changes of the new tax year
The tax year 2018/19 ends on Friday 5 April, which means it’s time to start planning for the new tax…
Your 2019/2020 tax tables
Full of useful information to have at your fingertips for the coming tax year. Please find attached Pembroke’s updated Tax…
Inheritance tax reductions ahead of potential reform
Future increases to the residence nil rate band might be in question, thanks to the OTS review of inheritance tax.…
Preparing for the new tax year
Changes to income tax, NICs and pension contributions are coming for 2019/20. One of the few certainties about 2019 is…
Tax Planning: Unmarried couples lack the rights of married couples
Two recent events have shone different lights on the government’s view of unmarried couples. As the graph shows, marriage has…
HMRC spotlights IHT returns as a new case shows risks of late planning
Imagine you are named as the executor and a beneficiary of your wife’s wealthy aunt. You learn that she is…
Trick or treat? The Chancellor calls the 2018 Budget for late October
What should we expect from the 2018 Budget? Will the Chancellor turn to inheritance tax, fuel duty, stamp duty, a…