Advice
Tax Year-End Planning: What You Need to Consider Before 6th April
By Samuel Mather-Holgate As we approach the end of the 2024/25 tax year on 5th April, time is running out to make the most of your tax allowances and reliefs. This is a critical period for both individuals and business owners to ensure they have maximised tax-efficient savings, used their allowances effectively, and prepared for…
Read MoreTen Reasons to Boost Your Pension Before April 2025
By Samuel Mather-Holgate As the tax year draws to a close, there’s no better time to review your pension contributions and ensure you’re taking full advantage of the tax breaks and allowances available. Even with upcoming changes to inheritance tax (IHT) on pension death benefits, pensions remain one of the most tax-efficient ways to save…
Read MoreThe Hidden Risks of Co-Habiting: What You Need to Know About Property Ownership
By Samuel Mather-Holgate For many couples, co-habiting feels like a natural step in their relationship. You share a home, expenses, and perhaps even dreams for the future. However, when it comes to property ownership, co-habiting couples face a significantly different legal landscape compared to those who are married or in a civil partnership. Without proper…
Read MoreA Guide to UK Pension Advice for Overseas Residents
By Samuel Mather-Holgate Living overseas doesn’t mean leaving your UK pension behind. You could be in Malta, Switzerland, Spain, Italy, Canada, France Denmark, or anywhere else for that matter, understanding your pension options is essential to secure your retirement. From transfers to benefits, annuities to drawdown, and even inheritance planning, navigating the complexities of UK…
Read MoreHow the 2024 U.S. Election Results Could Impact Your Investments
By Samuel Mather-Holgate It’s already been a week since the US general election and with Donald Trump elected to a second term as President of the United States, it’s natural to wonder how this change in leadership might affect financial markets and, in turn, your investments. While political developments can sometimes spark uncertainty, successful investing…
Read MoreKey Highlights from the 2024 Autumn Budget
The Chancellor’s first Autumn Budget under the new Labour government introduced significant updates that could impact your financial plans. From adjustments to stamp duty land tax and pensions to changes in inheritance tax and capital gains, these new measures reflect the government’s goals to stabilise finances while funding essential public services. You can read the…
Read MoreUnderstanding Stroke: Causes, Symptoms, Prevention, and Financial Protection
By Samuel Mather-Holgate Every year, millions of people around the world experience a stroke. I know, personally, several people who have (and are) going through the ordeal who each have individual symptoms varying in severity. World Stroke Day, observed on October 29th, is a day dedicated to raising awareness about stroke prevention, symptoms, treatment, and…
Read MoreLending Options for Older Clients: Finding the Right Solution for Your Financial Needs
By Samuel Mather-Holgate As people are living longer and healthier lives, many older clients are exploring financial options that allow them to maintain their lifestyle, supplement their pension income, or help family members. For older homeowners, there are a variety of lending solutions available, including traditional mortgages, retirement interest-only mortgages (RIO), and lifetime mortgages. Each…
Read MoreAccessing Personal Insurance for People with HIV
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…
Read MoreExperience the World at Cricklade Festival 2024: Music, Dance, and Classic Cars Await!
Nestled in the heart of Wiltshire, just a few miles north of Swindon, the historic town of Cricklade invites you to the 2024 edition of its much-loved annual festival. This year, we celebrate the rich tapestry of cultures with our theme, “It’s a Small World: Celebrating World Music and Dance.” Mark your calendars for 9th…
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