Accessing Personal Insurance for People with HIV

Collage of diverse faces forming a single face, symbolising that HIV can affect anyone, regardless of background

Accessing Life Insurance and Income Protection for People with HIV: Myths Dispelled and the Importance of Expert Advice Living with HIV has seen significant advancements in recent years, particularly in terms of medical care and access to insurance. At Mather & Murray Financial, we understand the unique challenges and opportunities that these changes present. Recent…

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Power of Attorney: Your Questions Answered

Informative graphic illustrating the concept of Power of Attorney, highlighting key aspects and benefits of setting up an LPA

Introduction Navigating the realms of Power of Attorney (POA) can often feel daunting, but it’s a vital component of managing your affairs, both now and in the future. Whether you’re considering setting one up, curious about how it works alongside a will, or looking to understand your rights and responsibilities. This article aims to demystify…

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Will I have to sell my house to pay for care home fees?

Senior couple forming heart symbol - Mather & Murray Financial

Will the Local Council Pay for My Care Home Fees? Understanding the Landscape There is currently no cap on care home fees in the UK. The UK government has announced that from October 2025 (this was originally due to come into effect in 2023 but has been delayed), no one in England will have to…

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How to Reduce My Income Tax Liability with Venture Capital Trusts (VCTs)

Venture Capital Trusts (VCTs) for Income Tax Reduction - Swindon Financial Advice

Navigating Tax Efficiency for High Earners In the complex world of income tax planning, various schemes can help individuals reduce their tax liability. In this guide, we’ll dive into one potent strategy: Venture Capital Trusts (VCTs). Designed to encourage investment in small, high-risk trading companies, VCTs offer not only the prospect of returns but also…

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Tax Planning for Brighton’s Small Business Owners

Small business advice in Brighton - Tax planning

Brighton’s vibrant business scene is a melting pot of creativity and entrepreneurship. If you’re a small business owner in this coastal city, you’re part of a dynamic community that thrives on innovation. However, along with the opportunities come responsibilities, and one significant aspect is managing your tax liabilities effectively. In this article, we’ll explore tax…

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Monday Market Update – 14th August

Financial Markets Update - Unbiased Financial Advice in Swindon

Summer markets lukewarm on good news On the face of it, last week contained many of the positive headlines  market optimists had been waiting for, but the response to those headlines received was tepid at best. On Thursday, the US Bureau of Labor Statistics released its consumer price index (CPI) inflation data for July, and…

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Unlocking Opportunities: Mortgages, Insurance, and Tax Strategies for Portfolio Landlords

Illustration of a diverse portfolio of rental properties, representing the opportunities for portfolio landlords

Introduction Welcome to our comprehensive guide for portfolio landlords, who face unique challenges in obtaining mortgages and navigating the ever-changing landscape of tax legislation. In this article, we will explore tailored solutions for financing, insurance coverage, and discuss the important decision of whether to incorporate. Our expertise and understanding of portfolio landlords ensure you can…

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Tax year deadline- ISA essential features and benefits

ISA financial advice swindon

10 key ISA (Individual Savings Account) facts 1. What is an ISA? An ISA is a tax-free savings account. Money saved within the ISA wrapper isn’t charged any income, capital gains, or dividend tax. 2. How much can I save in my ISA each year All eligible ISA participants receive a £20,000 annual allowance. This…

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