Graham Carter & Co. | Chester

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Financial lessons for parents of students

If you’ve got a son or daughter at college or university, you could have some stark financial lessons ahead. Getting the grades may have ...

4 top tips on what to do in the first 30 days of your retirement

So, you’ve decided when you’re going to retire and you know what you’re going to do in the days leading up to your final day in work. You...

How the cycle to work scheme has gone up a gear

There’s no doubt that cycling has escalated in popularity in recent years. You won’t travel far on Briitsh roads today before you come ac...

Would more people actually like to retire a little later?

This may seem a surprising suggestion. Surely most people are eagerly looking forward to early retirement, not thinking about postponing ...

Own a second property? Here’s some changes you need to be aware of

There have been several changes relating to Capital Gains Tax (CGT) over the past few years. The coming years are set to bring more. Here...

Marshmallows and financial planning

The Stanford marshmallow experiment is one of the most famous pieces of social science research out there. It has arguably influenced the...

What is the tapered Annual Allowance and why reform will help the NHS

According to the NHS Confederation, the Chancellor Sajid Javid could address the NHS pensions crisis by scrapping the tapered Annual Allow...

The retirement mistruth

If you pay much attention to the media and advertisers, you may think that retirement is all about riding jet skis, sipping sherry on the...

Five million pension savers at risk of falling prey to scammers

A joint warning from The Pensions Regulator (TPR) and the Financial Conduct Authority (FCA) says that five million pension savers could b...

How to stay safe online

As we venture further into this new digital age, the security of your personal data grows more and more important. That’s why, for this a...

Stamps, coins and automobiles… What collectibles are you passionate about?

The desire to collect tangible objects has been an inherent part of life since we gave up our nomadic lifestyle thousands of years ago. B...

Drawdown tax and flexible retirement income. What does it all mean?

Once you reach 55, a whole spread of opportunities will open themselves up to you. One such bonus is the fact that you can finally access...

Gifting rules and inheritance tax, what you might not know

Following an in depth study conducted by the National Centre for Social Research (NCSR) and the Institute for Fiscal Studies (IFS), it ha...

Defined Contribution vs Defined Benefit – what’s the difference and what’s the trend?

As defined contribution pension plans overtake defined benefit (in terms of money paid into schemes) for the first time ever, more and mo...

The UK is struggling to save; what are the implications?

A study found in 2018 that one in four adults have no savings. Many residents in the UK wish that they had cash to save, however high mon...

6 bad habits to avoid during retirement

Planning for retirement can be complicated, as anyone approaching the end of their working life will tell you. However, navigating the my...

3 tips to avoiding inheritance tax

Benjamin Franklin famously said, ‘In this world nothing can be said to be certain except death and taxes’. And if your estate is valued a...

Teaching your children about money in family life

Before your children are off to primary school, they may be with you for much of your weekday life, and go with you wherever you go. So w...

The Fundamentals of Cash Flow Modelling

George Horace Lorimer once said: “It’s good to have money and the things that money can buy, but it’s good too, to make sure you haven’t ...

What does the auto-enrolment increase mean for you?

From 6 April 2019, minimum contributions from employers and staff increase. This applies to all employers with staff in a pension scheme ...

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