Graham Carter & Co. | Chester

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Tax relief and pensions

Annual and lifetime limits Saving into a pension is one of the most tax-efficient ways to save for your retirement. Not only do pensions ...

Supporting younger generations

Giving grandchildren financial security is an important goal for many If you are a grandparent, it’s natural to want to help out the fami...

Caveat emptor: ‘let the buyer beware’

Increase in victims of financial scams related to COVID-19 As a result of the coronavirus (COVID-19) pandemic, there has sadly been an in...

Minimum age for pensions freedoms rises to 57

The government has confirmed that the minimum age for drawing a personal pension is to rise to 57 in 2028. Savers who pay into a personal...

Women Against State Pension Inequality lose appeal

In September, two women who represented the interests of Women Against State Pension Inequality (Waspi) lost a crucial court of appeal ch...

The Chancellor’s Winter Economic Plan

In December 2019, the Conservatives won an 80 seat majority in the General Election and three months later, new Chancellor Rishi Sunak pr...

Three hidden ways that Covid could damage your financial security

The Covid crash has threatened the prosperity of millions across the country. While government support measures have gone some way to mit...

Three of the best autumn holiday destinations in the UK

After quarantine measures were imposed during August for returnees from several European countries including France and Spain, many will ...

House prices have rebounded, but is it a “false dawn”?

At first glance, recent figures from the housing markets appear wholly positive. During July, Nationwide reported a 1.7% leap in prices. ...

Is ‘the bank of mum and dad’ closing its doors?

The effects of the so-called ‘Stamp Duty Holiday’ have dominated the recent property news. According to Rightmove, recent weeks have seen...

How did lockdown change our personalities?

There wasn’t just one lockdown – each person had their own unique experience over the three and a half months that were unlike any before...

What are the proposed changes to IHT for siblings?

At the moment, only those who are married or who are registered civil partners are exempt from paying inheritance tax (IHT) on money or p...

Make your lockdown saving habits last a lifetime

While the economic consequences of lockdown saw many households struggle, others have been able to save far more than usual. Data suggest...

Could over-40s pay more tax to solve the social care crisis?

The question of who should pay for social care is a pressing one; successive governments have grappled with the issue and none have found...

Will Covid-19 hasten the demise of cash?

The use of cash was already dwindling in recent years, with cards being the preferred method of payment (especially contactless). Since t...

Inheritance Tax

Passing assets tax-efficiently to the next generation Making provision for your loved ones after you have gone is an essential part of ma...

What does the stamp duty holiday mean for me?

In his 8 July summer statement, Chancellor Rishi Sunak confirmed that the stamp duty threshold will be immediately raised to £500,000 in ...

Summer Statement in brief

The Covid-19 pandemic has had a drastic effect on the global economy, with the IMF predicting “the worst economic downturn since the Grea...

What does the Bank of Mum and Dad need to consider?

With many furloughs coming to an end and an increasing number of redundancies being announced, the Bank of Mum and Dad is being asked to ...

Retirement planning in the time of coronavirus

The COVID-19 outbreak has signalled the dawn of a worrying time for everyone. As well as anxiety about our own health and the wellbeing o...

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