Coming into an inheritance in later life can lead to unexpected tax problems. But a gifting strategy and tax-efficient investing via pensions can mitigate these issues. Martin Cotter, Lumin Wealth’s Managing Director, explains more. The phenomenon known as the Great Wealth Transfer means younger generations are set to inherit large sums...
This festive season, Christopher Place offers a luxurious gifting experience. Whether you're looking for home comforts from The White Company, stylish fashion from Whistles, or pampering treatments from Neal's Yard Remedies, you'll find the perfect gifts for your loved ones. With everything from elegant homewares to luxurious skincare, there’s something to...
Now that the children are (more or less) settled back into school, it’s time to think about you. We’re talking about wellness, beauty, and reconnecting with friends after a long summer of child-friendly activities. It’s easy to forget how exhausting summer can be for parents, from organising day trips to arranging...
“Baby, you can drive my car” purred the Beatles on their 1965 album Rubber Soul. However, it might cost you up to 335% more* than a comparable car to buy if it just happened to have been owned by a rock-star, celebrity or person of note (* having considered a...
Accessing pension benefits can come with a major trap. Triggering the Money Purchase Annual Allowance places a limit on all further contributions. Martin Cotter, Managing Director of Lumin Wealth, explains more. Although many UK adults (and/or their employer) can pay £60,000 into a defined contribution (money purchase) pension in each tax...
In the wake of recent anti-immigration riots, employers may find themselves facing a challenging situation if any of their employees are implicated in these events. Managing such a scenario requires a careful, balanced approach that respects the rights of the individuals involved while safeguarding the company’s reputation and workplace harmony. Below are...
We have our finger on the pulse of all things eyes. Always. All the time. Which is why we strategically waited until August to post about Dry Eye Awareness Week. That might have been in July. Ahem. Moving quickly on… Dry eyes aren’t discerning. If you have them, they don’t care whether it’s...
From inception and growth to risk management, strategic investments, and exit planning, expert, independent advice can help to steer a business towards financial success. Martin Cotter, Managing Director of Lumin Wealth, explains more. Typically small business owners consider four stages in the life cycle of a business: building wealth, extracting wealth,...
Well, we’ve had moments hot and sunny enough to think about beaches, chilled glasses of something nice, the need to try every flavour at Darlish and (at time of writing!) that wellies aren’t going to be the ultimate summer fashion essential. EYES on St Albans, being the thoughtful souls that we...
This article is intended for individuals who would like to understand more about how they could help family members who might be facing a sudden increase in school fees. What is the current position on VAT and school fees? Under existing VAT law, education and goods and services closely related to education...
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