Gray & Associates is a firm of independent financial advisors specialising in providing advice on pensions, investments, Inheritance Tax planning, wealth and personal protection.
Do you have a safety net for you and your loved ones in case the unforeseen happens?
Most people prefer not to consider unexpected misfortune when thinking about the future. However, being prepared for life’s uncertainties is essential to protect your family’s way of life. Financial security provides a safety net for your loved ones if you face illness, injury or an untimely death. But understanding the right cover to meet your needs can be complicated and daunting.
Unlocking the potential of your investments and securing your financial future
When it comes to growing your finances, few decisions are as crucial to long-term success as remaining invested. The temptation to move to cash during volatile periods can be strong, but financial history and market principles often favour those who keep their positions. Staying invested isn’t just about patience; it’s about unlocking the potential of your investments, capitalising on market trends and safeguarding your financial future.
Proposed policy would fundamentally change how wealth is transferred across generations
Concerns are growing about the possible introduction of a lifetime gifting cap by the government. This could significantly alter how wealth is passed down through generations, impacting not only large estates but also everyday family financial support. By bringing more gifts into the scope of Inheritance Tax (IHT), the proposed changes could complicate life for families who depend on regular financial assistance from loved ones.
Distinguishing fact from fiction to fully utilise opportunities and secure your future
Investing in a pension is a dependable and effective way to ensure a comfortable retirement. However, ongoing misconceptions often prevent people from fully enjoying the benefits that pensions can offer. These myths may cause missed opportunities, particularly regarding valuable tax relief and government incentives designed to help savers build their retirement funds.
Two topics that often come with their own sets of challenges are love and money. Yet, for more than a quarter of couples in relationships, these challenges intersect to create what some now refer to as a ‘financial situationship’. This term describes couples who share their lives and dreams but keep their finances separate, avoiding open discussions about long-term financial matters.
