Time to take AIM with your ISA?

The tax benefits of ISAs can extend to inheritance tax. Individual Savings Accounts (ISAs) have three major tax advantages: No UK income tax liability on UK dividends and interest. With frozen tax bands and allowances plus an increase in dividend … Continue reading

Can the child benefit charge be fixed?

A critical review of how the government taxes child benefits has raised a major question mark over HMRC’s approach to collecting payments. Child benefit tax, or the High-Income Child Benefit Charge (HICBC) to use its legal name, is a case … Continue reading

Looking after your pennies

With inflation hitting 6.2% in February and outstripping wage growth, make sure you are paying attention to what’s happening to your money. We explore some ways to help keep your money where it belongs. Tip 1: Make sure you have … Continue reading

Confused by new NICs changes?

The changes to national insurance contributions (NICs) announced in the Spring Statement in March were not straightforward. Let’s set the record straight. In his Spring Statement – or was it a mini-Budget? – the Chancellor announced several changes to NICs … Continue reading

Quantitative tightening: a reversal of fortunes?

One of the defining financial strategies of the last 13 years – quantitative easing – is about to go into reverse. The Bank of England will slowly trim its £9 trillion portfolio throughout 2022, but only time will tell when … Continue reading

Repayment of student loans: another freeze… and worse

The government is turning the financial screws on student loans and is set to claw back £2.3 billion under the guise of high inflation. These changes pose a significant, and potentially expensive, dilemma for those with student debt. ‘Fiscal drag’ … Continue reading

New reforms set to simplify divorce in England and Wales

Divorce will become easier thanks to a change in the law from 6 April, but even with a more amicable split, financial advice is still vital. Divorce rules in England and Wales will soon undergo their most radical reform since … Continue reading

Tax Tables 2022/23

2022/23 Tax Tables Click the image to download PDF.

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Nurture Spring 2022

Welcome to the Spring edition of our newsletter

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Whatever happened to the wealth tax?

A new wealth tax to counter the cost of the Covid-19 pandemic was the talk of the financial pages not so long ago. Now it has disappeared… or has it? By the end of 2020, as the huge cost of … Continue reading

Two weeks that shook the world: reacting to Ukraine

The invasion of Ukraine has shaken emotions and certainties as the world watches a growing humanitarian disaster. The reactions of global markets, which had misread President Putin’s strategy as much as many politicians, were similarly sent into crisis mode. On … Continue reading

Learning lessons from the UK dividends bounce back

New research shows that UK dividend payments rebounded strongly in 2021, but still remain below their pre-pandemic level. The experience of the last two years holds important lessons for investors. 2020 was a grim year for anyone who relied on … Continue reading

Not quite as safe as houses – the rising cost of bricks and mortar

House prices rose by around 10% in 2021 – their fastest pace in 15 years – but that is no guarantee of what may come in 2022. Relying on bricks and mortar to boost your finances may no longer be … Continue reading

Holding back the years: the new State Pension Age dilemma

The government has nearly finished its review of the next stage of State Pension Age (SPA) increases. But changes to life expectancy figures pose a significant, and potentially expensive, dilemma. A review of State Pension ages from the Department for … Continue reading