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Assessing the UK post-referendum economy

Economic overview: October 2016 The economy as a whole has grown by an estimated 0.5% in Quarter 3 (July to September) 2016. Although this is a slightly slower growth rate than the previous quarter, GDP has continued the trend of positive growth seen since 2015. ONS Chief Economist Nick Vaughan said: “The ONS data so far have shown an economy largely undisrupted by the UK’s decision to leave the EU. …Read More

Graduate development scheme

Job ID  SN-GDS16 Job Details This position is ideal for those with an interest in accountancy, business management or finance. Experience isn’t necessary however you will need to demonstrate that you are proactive, self-confident, enthusiastic, resilient, self-motivated  with a good work ethic. You must be a good team player, however also be able to function alone and think for yourself without supervision. You will receive lots of industry training and upon meeting the …Read More

Workplace Pensions

The Pensions Regulator is now issuing penalty notices to those businesses that fail to introduce a workplace pension in time. The recent compliance and enforcement bulletin from the regulator highlights that since September 2015  there have been 589 of these penalty notices served. The large majority of these were fixed penalty notice under section 40 of the Pensions Act 2008 of £400 for failure to comply with a statutory notice or …Read More


“A BUDGET FOR WORKING PEOPLE” In the first uniquely Conservative produced Budget since 1996, the Chancellor of the Exchequer, George Osborne, announced that, “Our long-term economic plan is working” and added that the “economy is fundamentally stronger than it was five years ago.” His avowed intention was to create “a plan for Britain for the next five years to keep moving us from a low wage, high tax, high welfare economy; …Read More

Do I need a Financial Adviser?

A financial Adviser can help you with a wide range of areas; from mortgages and general financial planning to pension and investment advice. If you are reading this then it is likely that you have some doubts as to if you really need an advisor or not. Historical events might even lead some to believe that advisers only put their own interests first and that there are hidden fees etc. Recent reform and changes …Read More

Inheritance tax

Inheritance tax – once known as Estate Duty  used to be something that only troubled the seriously rich. Now, with house prices rising in line with a recovering economy, many more people are starting to find that the taxman will take a share of their legacy before their loved ones. But there are steps you can take to help ensure your wealth goes where you want. The Inheritance tax (IHT) net is catching out more and more people, …Read More

Who cares?

Nursing care- We are all living longer. According to current research, 50% of babies born now could live to see the grand age of 100. Unfortunately, longer life does not always mean longer independent living. More of us could need to fund long term care, for ourselves, parents or spouses. Nursing care may be free under the NHS – but social care, the provision of homes for old people who are frail or no longer capable of …Read More


Auto-enrolment Planning is key to successful auto-enrolment for SMEs A year has passed since the first of the larger employers started to auto-enrol employees into a workplace pension scheme and, according to DWP, it’s been more successful than expected. Their research estimates that over 90% of people who have been placed into a workplace pension by their employer are staying in. Previous DWP research had shown a likely opt-out rate …Read More

Mortgage Updates

Mortgage Updates – The housing market seems to be on the road to recovery, with greater consumer confidence helping push up turnover and prices. This is excellent news for anyone on the housing ladder and, with more mortgages around, first time buyers can celebrate too. In a fast-moving marketplace, expert help with finding the right mortgage is crucial. The UK housing market, in the doldrums during the recession, is on the rise again. Key sources disagree on the exact figures; the …Read More