What do you want from life? Ask questions that will shape your future.

Just about everybody wants to become financially secure and independent – so why do so few people get there? One thing is for certain: it very rarely ‘just happens’. It starts with a vision and then a detailed plan, and a willingness to commit to that plan.

Your total life plan is a financial roadmap that will provide you with clarity about your future journey. It should detail every aspect of your vision – your hopes, fears, dreams and goals. It should also describe exactly how your future will look and help you to understand exactly where you are headed and when you are likely to arrive.

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ISA – Don’t miss out on this year’s tax-efficient opportunity

If you have cash savings or are investing, there is no reason not to use an ISA tax efficient wrapper. The end of the 2020/21 tax year is Monday 5 April 2021, meaning that if you’re planning to use this year’s ISA allowance you need to act fast – there’s no rollover from one tax year to the next.

We’ve answered some typical questions we get asked about how best to use the ISA allowance to help make the most of the opportunities as this tax year draws to a close.

“An ISA is a tax-efficient way to invest because your money is shielded from Income Tax, tax on dividends and Capital Gains Tax. Individual Savings Accounts (ISAs) have been available since 1999. The proceeds are shielded from Income Tax, tax on dividends and Capital Gains Tax.”

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