Below you will find a range of our articles relating to Illness & Injury.
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CONTINUING ACCOUNT OF A DECEASED INVESTOR Since April 2018 the rules have changed on how ISAs can be passed on to spouses and civil partners on death. The rules allow for a continuing account of a deceased investor (CADI). These changes improve the rules on Additional...read more
TRUSTS REGISTRATION SERVICE The Trusts Registration Service is a new initiative from HMRC, which requires attention from all trustees. The changes mean that all UK trusts which declare tax to HMRC are required to register using this service. This article is intended...read more
STOCK MARKET CORRECTIONS Today, the media has been full of news of a dramatic fall in stock markets around the world with one measure of the US S&P 500 stock market falling by 4.6% in one day. The drama could lead you to believe that you should start selling your...read more
CARILLION & INVESTMENT DIVERSIFICATION Recent press have been full of stories about the collapse of Carillion, and the wider effects of the company's liquidation. This article explores how investors could be exposed to individual companies, like Carillion, and how...read more
HOW LIKELY ARE YOU TO NEED NURSING CARE? This article examines the chances of you needing nursing care, and explores the main rules that apply if you need to pay for nursing care. Key points: What is your disability-free life expectancy? How likely are you to need...read more
PERSONAL INJURY TRUST INVESTMENT If you are to receive a personal injury compensation award, it is likely that your solicitor will recommend a personal injury trust. This is a legal way for you to hold your compensation while still remaining entitled to receive means...read more
The Care Act 2014 came into force from April 2015 and builds on recent reviews and reforms to replace and update the existing law. Its aim is to provide a consistent approach to adult social care in England and is in two parts: Part one consolidates and modernises...read more
What’s the most powerful feature of your ISAs? One that’s so blindingly obvious that it’s often overlooked, even by the experts. This article explores the astonishing value presented by ISAs. Nothing else comes close when it comes to saving tax on income and...read more
We often help trustees and trusts to manage their investments. One of the most common questions is whether you need to appoint a professional trustee to manage the affairs of your trust. Please note that this article is not intended for trustees of registered...read more
If you are about to retire you are probably considering a retirement annuity to secure an income for life. You may have seen reports that retirement annuities have fallen in value in recent years. Impaired life annuities (also known as enhanced life annuities) are a...read more
If you are involved with the running of a trust you will probably need to know the rules around trustee investments. In this article we examine everything you need to know about trustee investments including the types of trust, their taxation and what types of...read more
In this article we provide a Trustee Act 2000 summary - giving you all the information you need as a settlor, trustee or beneficiary if you have some involvement with the investments of a trust. This article applies to the position in England and Wales. There are...read more
If you are approaching retirement, or are already retired, this article could be for you. We examine investing for income in retirement. Key points: The problems when investing for income in retirement Issues to consider How to invest for income in retirement 8...read more
Last week the Government launched its latest consultation on the reform of the UK care system. This article is concerned with the proposals regarding the funding of care costs. Previously the Dilnot Commission examined the future of care funding making 2 key...read more
If you or a member of your family has had a personal injury or have been the victim of medical negligence then you many be entitled to compensation. At some point you may receive a significant amount of money to help you to deal with your ongoing medical conditions. ...read more
If you have been appointed a deputy over someone else's affairs, you will no doubt want to learn as much as possible about the responsibilities of the role, especially if you will be required to manage that person's investments. This post aims to explain the key...read more
This information is aimed at professional trustees, such as solicitors and accountants, as well as unpaid trustees (such as friends and family). It may also be of use to those who have an interest in a trust, such as beneficiaries. The Trustee Act 2000 is important as...read more
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