Passing wealth on to the next generation fairly, safely, effectively and efficiently takes skill and careful preparation. But some people find the idea of discussing inheritance uncomfortable and sometime leave it too late to make a difference.

Although the current tax year does not end until 5th April, tax planning shouldn’t be a mad March rush. Now is the time to get a head start on your tax planning.

Inflation matters. The impact of rising prices on investments. A pound saved is a pound earned. But thanks to inflation, over time, the value of the pound saved could be much less than when it was earned.

At some point you’ll say ‘goodbye’ to your colleagues, get into your car and drive towards the next phase of your life – retirement. But when will that be?

There are many things to consider when looking to protect you and your family. It may not be the most exciting of subjects, but it answers one of our most basic desires – to keep safe all that we hold dear.