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,...
Independent jewellery boutique Elements By Nature has officially opened its doors in The Maltings Shopping Centre, marking its second store outside London. Elements By Nature showcases handmade, fine jewellery inspired by the natural world, with each piece celebrating traditional craftsmanship. The collections featurenatural stones sourced from Thailand, Brazil, and Bali, paired...
If you are buying or selling a home for someone else, or if you need someone to act on your behalf, a Lasting Power of Attorney (LPA) can make this possible. However, using an LPA in property transactions involves more than simply signing documents for someone else. There are specific legal...
Every year, National Eye Health Week reminds us of a simple truth: how we live has a direct impact on how we see. This year’s theme is “Live Well, See Well”, and it is the perfect invitation to think about the everyday habits that keep our eyes in good shape...
Fund costs can be confusing and may lack transparency. You should carefully examine all-in charges to ensure you’re not overpaying for your investments. Lumin Wealth’s Managing Director, Martin Cotter, explains more. It’s crucial to understand the investment fees you’re being charged, as some may not be clearly disclosed or easily understood....
Contribute
You can help keep quality local journalism alive by making a one-off donation or set up a regular direct debit. Any contributions will help ensure the long-term future of the St Albans Times.
