Understanding the implications of the Chancellor’s Budget now could be the difference between missed opportunities and maximising your financial strategy, explains Lumin managing director Martin Cotter. After weeks of rumour, kite-flying, intense lobbying and U-turns, the one indisputable fact about the Autumn Budget is that it has now been delivered and...
If there’s one thing St Albans does brilliantly, it’s community. We’re a city full of people who care – about each other, about local causes, and about the independent businesses that give our neighbourhoods personality and heart.And today (December 6), we get to celebrate all of that together with Small...
The Residential Nil Rate Band, or RNRB, is an allowance that was introduced because rising property prices meant more families were being dragged into paying inheritance tax. The RNRB helps protect family homes and gives people a bit more flexibility when planning what they want to leave behind. For many families, it...
We know, we know – it’s only just December. The decorations are still in boxes, and Jez is still insisting there’s no Christmas music on the playlist until at least the second (third?) week of the month. But not everyone leaves their gift shopping to the last minute (ahem –...
There’s a silent threat creeping into the estates of more UK families than ever before – the looming 40% Inheritance Tax (IHT). Lumin Wealth’s Managing Director, Martin Cotter, explains more. The 40 per cent figure for inheritance tax is not an immediate pressure, which is why it’s often overlooked by many...
We’ve tried to come up with a vision related link to the radio – but sometimes even we’re stumped. Answers on a postcard (or in person) to 63 The Quadrant please…Anyway, if you’ve had the radio on recently, you may well have heard the new advert for Essilor’s Varilux XR...
With the arrival of autumn comes growing anticipation around the Chancellor’s upcoming Budget and the potential tax changes it may bring. Lumin Wealth’s Managing Director, Martin Cotter, explains more. This year, speculation is particularly widespread, with reports focusing on potential tax increases affecting wealthier households, including changes to Capital Gains Tax...
A little refresher… It’s pretty widely known that the Landlord and Tenant Act 1954 (LTA 1954) grants “security of tenure” to commercial tenants – i.e. commercial tenants (with a few exceptions) have the right to renew their leases when the contractual lease term comes to an end. However, landlords and tenants can...
It’s an emotional and potentially life-changing moment. But without a clear plan, the risks of not optimising your inheritance is significant. Lumin Wealth’s Managing Director, Martin Cotter, explains more. Receiving a lump sum inheritance can be life-changing, but it often comes during a time of profound emotional upheaval following the loss...
October in St Albans is full of colour, tradition, and community spirit. Highfield Park’s Apple Day is one of those highlights that brings families, neighbours, and visitors together to celebrate orchards, harvests, and the simple joy of crisp autumn apples. You may well find apple pressing, local produce, storytelling, children’s trails,...
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