Twelve Wealth Management

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This year, why not think outside the box and give a gift that can grow over time and truly make a difference: an investment in their financial future? Gifting money or valuable assets this Christmas can make a real difference to the financial wellbeing and security of the whole family. And cash gifts aren’t your only option. There are many tax-smart ways to gift your family – any of which could save you a significant amount of tax. So, start giving, and have a very merry, tax-savvy Christmas! Need help getting your head around gifting and tax? We're here to help - get in touch today. #Christmas #Gifting #FinancialPlanning #TaxTips #IntergenerationalPlanning #ChildPensions #JuniorISAs #Trusts https://lnkd.in/eNn58V3w

Retirement planning is the nation’s single biggest reason for seeking financial advice. Retirement planning often comes too late, with only one in 10 (12%) Gen Zs and one in five (18%) Millennials making it their priority. One in three (30%) of over 44s will seek advice on retirement planning in the next six months, placing it above general investment and savings advice (17%) and budgeting (15%). Key findings - One in five people will be seeking advice on their retirement planning in the next six months. - Retirement planning advice is twice as important as investment and savings advice for those aged 44 and above. - 55 years old is the peak age to start planning retirement – which may be too late to achieve long-held ambitions. - SJP analysis finds just a five-year delay in starting pension investments can seriously reduce your pension pot at retirement. See how we can help you plan for the later life you deserve, get in touch today. https://lnkd.in/ebfBq3Pf

Yesterday, Clio Livingston MSc DipPFS (Cliodhna Maguire) and I had the pleasure of attending a fantastic networking event hosted by BITA (British & Irish Trading Alliance). It was an incredible opportunity to meet like-minded professionals, share insights, and discuss the challenges and opportunities we face across various industries. A big thank you to the BITA team for organising such a well-rounded event, and to everyone who took the time to chat with me. I’m looking forward to staying in touch and exploring ways we can work together! #Networking #BITA #ProfessionalConnections #Collaboration

Owning rather than renting your own home has a number of tax #benefits, both during your lifetime, and when you pass your property on. In this article, we’ll look at some of the tax #advantages of being a #homeowner – some you may know, and some you might not be aware of. Speaking to financial adviser or mortgage specialist could reveal #taxreliefs that you may not be aware of, even if you’ve been a home owner for a long time. #Property #Mortgage #FinancialAdviser #MortgageAdviser #Tax #WealthManagement #FinancialFreedom #Finance https://lnkd.in/ecHVgrfE

Looking forward to getting into the festive spirit at Poole Property Club’s Christmas party! We’re delighted to be sponsoring this great event and supporting the growing property network in the area. #CommunitySpirit #ProfessionalConnections #Poole #Networking #B2B #Property #WealthManagement #FinancialAdvisers

We had a great time at Bournemouth Rugby last night. We enjoyed watching the team train hard for their upcoming games. After their training session, we got to catch up with our sponsored player, David Scupham. The Lions are looking strong ahead of their home match on Saturday against Chichester. #ProudSponsors #BRFC #Partnership #Community #PrideOfLions

Longstanding financial advice relationships build stronger financial futures, offer support at major life moments and improve quality of life. Ongoing financial advice has helped more than one in 10 of us with major life goals or moments, such as getting on the property ladder (13%) or navigating difficult periods like divorce or bereavement (13%). Others have been able to pass on money to their children or loved ones (19%). Of those currently receiving advice, three-quarters said they would recommend it to family and friends. That figure rises to 86% of those in the older age group. #BuildingRelationships #Advice #FinancialFreedom #WealthManagement #FinancialAdvisers https://lnkd.in/eFNmzRD3

After a close fought race, Donald Trump has become the 47th President of the #UnitedStates. Looking at Trump’s campaign promises, as well as his actions during his last #presidency in 2017, expectations are for reduced regulations across the board. Additionally, expectations are he will focus on immigration and a greater use of tariffs in international trade. How this will play out and be received by #markets remains uncertain. It is important to avoid a knee jerk or emotional response after such a divisive election. #Investments #FinancialServices #WealthManagement #Election2024 https://lnkd.in/drGtJx76

Rachel Reeves has delivered her first Budget as Chancellor, and the first #LabourBudget in 14 years. It brings some clarity and certainty following many weeks of speculation. The #Government has had to balance a challenging #fiscal situation with a plan to invest for the future and for growth. The #Chancellor has increased taxes by a record £40bn and increased borrowing to £127bn for this #taxyear. Alongside the headline changes to minimum wage, fuel duty and increased spending for public services there were several changes that may affect you. #CapitalGainsTax #InheritanceTax #Pensions #IncomeTax #NationalInsurance #FinancialAdvice #WealthManagement https://lnkd.in/eSdATFBd