Financial goals we should all consider

Sticking loose change in a bottle is one thing, but adopting a range of regular money management habits will help you achieve a much healthier financial future. Start now to achieve your goals!  Continue reading

Investing to pay university costs

The cost of a degree education has been steadily climbing in recent years, with much confusion and worry caused about student loan repayments. There are, however, ways you can plan investments to help your children and grandchildren manage finances through university…  Continue reading

Don’t chance it without life insurance

Health risks top many people’s concerns when asked what affects their general happiness, but an alarming number still don’t take out life insurance to provide financial support for themselves and their families.  Continue reading

Making pension assets work harder

When you run a business and want to invest and expand, getting the right capital in place can be complicated. Logic Wealth Planning helped one growing Lancashire firm utilise pension assets to help progress their ambitious plans…  Continue reading

Time is ticking on the IHT Clock

Time is Ticking on the IHT Clock Did you know you can give as many individuals as you please £250 each. As long as the gift doesn’t exceed this amount (even by a £1) it doesn’t count in your Inheritance Tax calculation. Handy if you have lots of grandchildren! You are also entitled to gift […]  Continue reading

Market Outlook 2018

Market Outlook 2018 Architas was formed in 2008 to help investors meet their investment goals through their range of multi-manager solutions. At the time of writing, the total amount of assets managed and advised on by Architas totalled £23 billion.* Architas is a member of the global AXA Group, a worldwide leader in financial services with […]  Continue reading

IHT Planning alongside Grandchildren

IHT Planning alongside grandchildren – An exciting time for children but not so much for their parents if they have not made financial provision to plan for this expense. And expensive it is! Not only the major items like tuition fees and accommodation but what about the cost of living – rent, bills, food, books, […]  Continue reading

The 2017 UK General Election the results

The 2017 UK General Election the results The 2017 UK General Election has ended in a hung parliament after the Conservatives failed to secure the majority pollsters had predicted in the run-up to yesterday’s vote. With just a handful of constituencies still to declare a winner, the Conservatives were projected to win 318 seats, Labour […]  Continue reading

What 2017 might mean for your investments

What 2017 might mean for your investments As this remarkable year comes to an end, we’d like to give you an insight into Architas’ thoughts on what’s happened in 2016, to an outlook for 2017 and what this might mean for your investment portfolios. This user-friendly infographic outlines Architas’ thoughts on the extraordinary events that have characterised 2016, […]  Continue reading

Your Investments after President Trump !

Your Investments after President Trump ! It has finally been decided and in the long awaited results of the US Election, the American public have opted for Donald Trump as their new leader & President. Love him or hate him, the American public see him more as their saviour than Hilary Clinton, a very unexpected result […]  Continue reading

The Rules of the Lifetime ISA as it stands

The Rules of  the Lifetime ISA as it stands :- Much has been theorised about the Lifetime ISA since it was announced. The questions is, will LISA be beneficial or not to savers? Following the initial announcement of LISA  an updated technical note was published on 15 September 2016. This followed detailed discussions with the […]  Continue reading

Dividend Changes to Trustees

Dividend Changes to Trustees On the surface, the new dividend tax rules may appear to be bad news for trustees – there’s no £5k dividend allowance for them and trust dividend tax rates have increased. But scratch a little deeper and the impact on the levels of income received by beneficiaries may not be as bad […]  Continue reading

Property landlords tax changes

Tax changes for property landlords (buy to let) : It was announced at summer Budget 2015 that tax relief available to landlords of residential properties for finance costs will be restricted to the basic rate of income tax. This will be phased in from April 2017 and will be fully in place from 6 April […]  Continue reading

When £5,000 of dividends are not tax free?

When £5,000 of dividends are not tax free? The legislation that followed detailed that this is not an allowance (such as the personal allowance). It was actually a zero rate of taxation that would be applied to the first £5,000 of dividends received by an individual. Whilst that may seem to be a technicality, it […]  Continue reading

Property Funds – the alternative approach

The Alternative Approach to Property Funds Why is everyone talking about property funds?  You can invest directly or indirectly into commercial property funds.  Investing directly or sometimes referred to as direct or ‘bricks and mortar’ commercial property funds refers to direct commercial property investment, meaning that actual physical properties are bought by the fund. Risk is […]  Continue reading

The Lifetime Allowance (LTA) Rules

The Lifetime Allowance (LTA) Rules Pensions may still be the best place for savings even though individuals have reached their lifetime allowance. And yet this appears to be a watershed for many. Pension funding is possibly being switched off without a thought. But such drastic steps should only be taken if there is a better financial […]  Continue reading

BREXIT – the result! Is it as bad as you think?

BREXIT – the result! Is it as bad as you think? The UK has voted to leave the European Union by a margin of 52% to 48%. Although opinion polls had narrowed during the final few weeks of the campaign, financial markets had been broadly positioned for ‘remain’ given the lead in bookmakers’ odds. The […]  Continue reading

Companies investing in Life Assurance Bonds – Inheritance Tax (IHT) Business relief

Companies investing in Life Assurance Bonds – Inheritance Tax (IHT) Business relief Business relief, or Business Property Relief (BPR) as is it often called, gives a substantial relief from tax. It reduces the value transferred by either 100% or 50% depending on circumstances. The legislation, Inheritance Tax Act 1984 (IHTA), is ‘designed’ to give relief […]  Continue reading

Looking after the grandchildren – IHT Planning

Looking after the grandchildren – Inheritance Tax Planning Pension flexibility has made pension contributions much more attractive as a means of funding an individual’s own retirement as there is 100% access but also because of the death benefit options. Cascading your wealth through the generations via your pension can be a great way to look […]  Continue reading

Attorneys and court appointed deputies

Guidance for attorneys and court appointed deputies On 18 May 2016, the Office of the Public Guardian (OPG) published advice for attorneys and court appointed deputies when making gifts on behalf of another person. In broad terms, the rules on making gifts are designed to protect the person’s best interests and ensure that attorneys and […]  Continue reading