https://www.vintagewealth.co.uk/blog daily 0.75 2026-04-01 https://www.vintagewealth.co.uk/blog/new-year-new-rules-financial-planning-in-changing-times-8pxgf monthly 0.5 2026-02-09 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/680d9caa-98ba-45c4-828c-857bd0c4c013/VintageWealth+2026+Planning+1000.jpg Vintage Wealth Management Limited - New year, new rules: Financial planning in changing times - New year, new rules: Financial planning in changing times Financial policy never stands still. Every budget brings with it a slew of headline changes, from spending pledges to taxation tweaks. And even when things are fixed or frozen, they can trigger important knock-on effects or shifts. Take as an example the government’s recent decision not to make adjustments to personal allowances and income tax thresholds until at least April 2031 – a ‘move’ that will directly result in more people paying more tax over the coming years. For individual savers and investors, keeping tabs on this shifting landscape can be quite a challenge, particularly when announced measures are slated to be introduced at different points in the future. So, with a new calendar year stretching out before us, and with a new tax year just months away, we provide an overview of key changes set to come into force in the short and medium term. https://www.vintagewealth.co.uk/blog/autumn-budget-2025-summary-key-points monthly 0.5 2026-01-15 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/82032dd7-3f47-4041-9c9f-863a2b346cd0/Autumn+Statement_1000.jpg Vintage Wealth Management Limited - Autumn Budget 2025: Summary of Key Points - Autumn Budget 2025: Summary of Key Points The long-awaited Budget 2025 was finally presented by Chancellor Rachel Reeves to Parliament on 26 November. It comes after weeks of intense speculation, throughout which the government has remained tight-lipped. Despite this, the Chancellor’s thunder was somewhat stolen on the day as a result of an error by the Office for Budget Responsibility, the official forecaster, which ended up giving commentators a sneak preview by publishing its analysis prematurely. When the budget was fully unveiled at the despatch box in the House of Commons, the budget was framed as a series of “fair and necessary choices” by the Chancellor, who said it was designed to “strengthen Britain’s economic foundations and set the course for a secure future for the country”. From taxation and housing to savings and inheritance, the rule changes affect many areas of fiscal policy. More pertinently, they are likely to have a complex knock-on effect for the personal finances of millions. Here we provide a summary of some of the key measures. https://www.vintagewealth.co.uk/blog/longevity-financial-planning-long-retirement-90-plus monthly 0.5 2025-11-27 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1763467154571-3E7GLYKFVUYUOFIIWOJI/AdobeStock_452460054_1000.jpg Vintage Wealth Management Limited - Playing the longevity game: Financial planning for the 90-plus generation - Playing the longevity game: Financial planning for the 90-plus generation Humanity might not yet have discovered the secret to eternal youth, but statistics show that we’re certainly mastering the art of living longer. In the two decades since 2004, the number of UK residents aged 90 and over increased by 54%, meaning there are now an estimated 625,000 people in this age bracket. Data from the Office for National Statistics also reveals that the number of centenarians in the UK population doubled to 16,600 over the same period. Clearly, these remarkable figures are to be celebrated, reflecting ongoing advances in medical science and the invaluable support provided by our health and social care systems. Separately, however, they raise a poignant question about our preparedness for living longer lives. Are we putting the right plans in place to financially support ourselves and our families long into our retirement years? https://www.vintagewealth.co.uk/blog/business-protection-covering-yourself-against-more-hidden-risks-xeh95-dplzc-tls45-z7lpl-287dw-cwybs-9p3et-54ctx-9jtf9 monthly 0.5 2025-11-17 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1760437236081-EWF7OU7YA6085OUWWGKR/AdobeStock_482132046_1000.jpg Vintage Wealth Management Limited - Taking social care: Financial advice in the age of the finfluencer - Taking social care: Financial advice in the age of the finfluencer Whether you’re looking to invest in equities or planning how to fund your retirement, whatever you decide to do with your money is, ultimately, your choice. And in today’s world, if you’re looking for help with those decisions, you have access to more sources of information, guidance and opinion than ever before. A major contributor to this groundswell of noise has been the increased volume of messages coming from social media and digital platforms, including Instagram, TikTok and YouTube. Here, financial influencers, or ‘finfluencers’, are attracting growing followings by delivering distilled ‘advice’ on money matters, often directly into the palm of our hand. https://www.vintagewealth.co.uk/blog/business-protection-covering-yourself-against-more-hidden-risks-xeh95-dplzc-tls45-z7lpl-287dw-cwybs-9p3et-54ctx monthly 0.5 2025-10-14 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/65def5fa-a23d-45d0-b682-542c864a5375/AdobeStock_1541424507_1000.jpg Vintage Wealth Management Limited - Annuity appeal: Balancing flexibility with stability in a world of pension freedoms - Annuity appeal: Balancing flexibility with stability in a world of pension freedoms Just over a decade ago, on 6 April 2015, the start of the new tax year also ushered in the beginning of a new era in pension planning. With the introduction of Pension Freedoms, individuals aged 55 and over were liberated from the previously rigid regime governing how they could access their defined contribution pension pots. The days of mandatory annuitisation were over. In their place, people were presented with a range of choices over how to fund their retirement. Further to purchasing annuities, they could keep money invested and make flexible withdrawals, they could take 25% of their pot in tax-free cash, or they could unlock full access to their retirement savings. They were also free to mix and match these approaches based on their personal financial situation and needs. https://www.vintagewealth.co.uk/blog/business-protection-covering-yourself-against-more-hidden-risks-xeh95-dplzc-tls45-z7lpl-287dw-cwybs-9p3et monthly 0.5 2025-09-10 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/ef16eb5b-2952-430d-949b-41ee4c4053b7/AdobeStock_84477855_1000.jpg Vintage Wealth Management Limited - Conflict avoidance: Limiting legacy issues through effective estate planning - Conflict avoidance: Limiting legacy issues through effective estate planning When you think about what defines your legacy, it’s often the intangibles that spring to mind – memories of great moments, good things we’ve achieved, or principles we’ve proudly lived by. But these elements, however meaningful, are not the only things we leave behind. Matter of fact as it might sound, legacies also have a monetary value when considering the accrued wealth, assets and belongings that constitute your estate. As such, a major component of anyone’s legacy involves the decisions around what happens to that estate and how it will be distributed to beneficiaries. In the difficult aftermath of death, those with an effective legacy plan undoubtedly provide a clearer pathway for grieving loved ones, maximising the likelihood that personal wishes will be fulfilled and minimising the risk of causing anguish. https://www.vintagewealth.co.uk/blog/business-protection-covering-yourself-against-more-hidden-risks-xeh95-dplzc-tls45-z7lpl-287dw-cwybs monthly 0.5 2025-07-29 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/57937760-9633-43f4-9dbe-e3694addd9f3/AdobeStock_1187088959_1000.jpg Vintage Wealth Management Limited - Rental health: Assessing opportunities in the buy-to-let market - Rental health: Assessing opportunities in the buy-to-let market In 1990, academic Peter Saunders published a book charting the remarkable growth in home ownership rates over the course of the twentieth century. Deliberately echoing Napoleon’s famous put down of the British as “a nation of shopkeepers”, A Nation of Home Owners tells of how levels of owner-occupancy increased from around 10% in 1914 to around 70% by the turn of the millennium. But in the decades that followed, another chapter has been added to that story with the flourishing of the buy-to-let market. No longer just a nation of homeowners, Britain has also become a nation of landlords. https://www.vintagewealth.co.uk/blog/business-protection-covering-yourself-against-more-hidden-risks-xeh95-dplzc-tls45-z7lpl-287dw monthly 0.5 2025-07-04 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/2830040d-6288-42d9-b1a7-b5bf94342c31/IHT+Pension+Planning+1000.png Vintage Wealth Management Limited - Inheritance tax: Incoming changes that could affect your pension - Inheritance tax: Incoming changes that could affect your pension Inheritance tax is on the rise. The latest figures from HM Revenue & Customs revealed that total receipts for the tax year April 2024 to March 2025 reached a record £8.2 billion. The figure is up £0.8 billion on the previous year, and it is a trend that experts expect to see continue. The Office for Budget Responsibility, which provides independent analysis of the public finances, suggests receipts for IHT will hit an estimated £9.7 billion in the 2028/29 tax year. https://www.vintagewealth.co.uk/blog/business-protection-covering-yourself-against-more-hidden-risks-xeh95-dplzc-tls45-z7lpl monthly 0.5 2025-07-04 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/44314d97-5bc5-4268-9e08-2662ceaa35a8/WestminsterSpringStatement.jpg Vintage Wealth Management Limited - Spring Statement 2025: Summary of key points - Spring Statement 2025: Summary of key points Rachel Reeves has faced a great deal of scrutiny since Labour came into power in July 2024. Elected partly on the promise of delivering a “fully costed, fully funded” plan to reform the UK economy, the party’s 2024 election pledge to balance the books has been complicated by a number of factors, including increasingly strained geopolitical tensions. As such, the Chancellor has been positioned between the rock and hard place of responsibly shoring up the public finances and supporting growth. This provided the context for the Spring Statement, presented to the House of Commons on 26 March. While not a formal budget announcement, it provided the Chancellor with an opportunity to deliver an update on economic activity and provide further detail on future plans. Here we take a look at the key messages. https://www.vintagewealth.co.uk/blog/business-protection-covering-yourself-against-more-hidden-risks-xeh95-dplzc-tls45 monthly 0.5 2025-07-04 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/ab578e16-cf38-4e4e-85ec-8273b0a0fe92/AdobeStock_422823853_1000.jpg Vintage Wealth Management Limited - Proceed with caution: Insight into crypto investing - Proceed with caution: Insight into crypto investing Veteran investor Warren Buffett might have described them as “a mirage”, but cryptocurrencies such as Bitcoin are generating a lot of very real attention right now. The surging interest in digital currencies across the globe is down in no small part to Donald Trump. Despite his previously derogatory comments, the President embraced the sector while on the campaign trail with promises to “do something great with crypto”. Since taking office, he has embarked on a plan to make the US the “crypto capital of the planet”, even launching his own official cryptocurrency. In the UK, the vast majority of the population (93%) are aware of cryptoassets and around 7 million people are thought to own them – up from an estimated 2.2 million in 2021, according to research from the Financial Conduct Authority. The regulator said cryptoassets are increasingly being considered by consumers as part of a wider investment portfolio. https://www.vintagewealth.co.uk/blog/business-protection-covering-yourself-against-more-hidden-risks-xeh95-dplzc monthly 0.5 2025-07-04 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1751617241113-U5O310MDDVGQYVE5YZQH/Self-employed+Pension+Attention.png Vintage Wealth Management Limited - Retirement savings for the self-employed: Paying attention to your pension - Retirement savings for the self-employed: Paying attention to your pension The nights are drawing in, temperatures are taking a tumble, and the leaves are becoming tinged with gold − all unmistakable signs that autumn is settling in and summer is fading from view. Less easy to detect, perhaps, is the fact that we are also in the midst of Pension Engagement Season. Running throughout autumn and winter, the campaign is designed to help people understand more about their retirement savings. This applies to both the basics of where pensions are held and how much has been saved, through to navigating the decisions that individuals will face at retirement, including how pension pots could be used. https://www.vintagewealth.co.uk/blog/business-protection-covering-yourself-against-more-hidden-risks-xeh95 monthly 0.5 2025-07-04 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/febd2eea-d8ed-4075-83d7-fa1fb016f45f/AdobeStock_188755401_1000.jpg Vintage Wealth Management Limited - Cost of giving: Tax considerations for gifting - Tax considerations for gifting Modern-day Scrooges aside, the festive season is largely welcomed as a time of celebration. It’s our annual opportunity to eat, drink and be merry with family and friends. Less welcome, perhaps, is the sobering reality that all this cheer comes at a cost. UK consumers are expected to have spent a staggering £22.7 billion over the festive period, with our outlay on gifts and celebrations rising from £416 per person in 2023 to £433 per person last year, driven partly by above-inflation price increases. During the season of goodwill, gifts of money can make for a generous gesture from parents or grandparents, whether as a present, a direct investment in a loved-one’s financial future, or a helpful way of easing the economic strain amid ongoing cost-of-living pressures. But it’s worth noting that gifts can come with important financial implications at whatever time of year. https://www.vintagewealth.co.uk/blog/business-protection-covering-yourself-against-more-hidden-risks monthly 0.5 2025-07-04 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539814826-EY4YGHYR3J75R6YXIQNR/AdobeStock_261524490_edited2.jpg Vintage Wealth Management Limited - Business protection: Covering yourself against more hidden risks - Business Protection: Covering yourself against more hidden risks Encountering risk is an inescapable part of what it means to run a business and while this makes for an uncomfortable truth for people at the more cautious end of the spectrum, for many entrepreneurs it is precisely this dynamic that unlocks the possibility of growth.Just ask Richard Branson, founder of the Virgin empire, who says the luckiest people and businesses are “those that are prepared to take the greatest risks”.But suppose risk taking is acknowledged as an underlying factor in commercial success. In that case, it is equally important to consider how it can be managed and how its potential impact can be minimised for a business to optimise its operational resilience. https://www.vintagewealth.co.uk/blog/scam-savvy-protecting-yourself-against-investment-fraud monthly 0.5 2025-07-04 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539814526-VHW846SF9L6KJG599VAL/AdobeStock_792659278_edited.jpg Vintage Wealth Management Limited - Scam savvy: Protecting yourself against investment fraud - Scam savvy: Protecting yourself against investment fraud At some point in our lives, most of us will have been reminded of the old adage that if something is too good to be true, then it usually is. It might not be the most optimistic motto, but it can offer effective protection against the disappointment that follows when promises, having raised our expectations, are revealed as empty and sadly, those empty promises can sometimes carry costly implications from both an emotional and a financial point of view. This is certainly true in the case of investment fraud, where unwitting investors are conned into placing their trust in an illegitimate business or unscrupulous individual. https://www.vintagewealth.co.uk/blog/mortgage-outlook-evaluating-the-impact-of-falling-inflation monthly 0.5 2025-06-24 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539813930-OBFSPCSPYR4L77JZ7Y4S/AdobeStock_284322546_edited.jpg Vintage Wealth Management Limited - Mortgage outlook: Evaluating the impact of falling inflation - Evaluating the impact of falling inflation A cost-of-living crisis coupled with changeable borrowing conditions have made it a financially unsettling few years for property owners, with some facing rising mortgage costs and increased pressure on household income. And with the Bank of England deciding to hold interest rates at 5.25% in June 2024, questions have arisen regarding when and if this situation might ease. In this article, we look at the interplay between inflation, interest rates and mortgage costs, reflecting on the rollercoaster of recent times and looking at how the situation might evolve in the months and years ahead. https://www.vintagewealth.co.uk/blog/early-access-considerations-for-taking-your-pension-prior-to-retirement monthly 0.5 2025-06-24 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539779727-0DTQVTDBTYEGE7JJRTYW/AdobeStock_234281561_1000.jpg Vintage Wealth Management Limited - Early access: Considerations for taking your pension prior to retirement - Considerations for taking your pension prior to retirement Predicting your financial situation in later life is not an easy task. It’s a tricky equation that balances expectations around your level of income with predictions of your likely expenditure. A major influence on this equation is the point at which you retire. For many, retirement is the date in the future that marks a significant change in your personal finances, no longer being able to rely on a regular source of income from an employer. It is the time when savings, pensions and other assets that have been building in the background take on a more prominent role. But there is evidence to suggest that the majority of people are not waiting until retirement to access the savings they have accumulated over the course of their lifetime. https://www.vintagewealth.co.uk/blog/from-vulnerable-to-knowledgeable-managing-your-wealth-from-an-empowered-position monthly 0.5 2025-06-24 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539813325-I23M07QZNVBTINWXHW81/AdobeStock_494079952_1000.jpg Vintage Wealth Management Limited - From vulnerable to knowledgeable: Managing your wealth from an empowered position - Managing your wealth from an empowered position Wealth, just like trust, is often hard earned. The majority of people will spend their lives working, earning, saving and investing so that they can enjoy the rewards in later years.But, in another parallel with trust, wealth can also be easily lost. Whether through misjudgment or because they have been misled, individuals can sometimes find themselves burdened with unexpected financial problems, which have the potential to cause knock-on effects that are felt at a more personal level.With this possibility in mind, it is all the more important for decisions about money to be made from a position of knowledge and, therefore, power. As a customer, you should feel that you fully understand the situation in front of you and the implications of any choices you make. https://www.vintagewealth.co.uk/blog/new-tax-year-a-guide-to-key-changes-for-2024-2025 monthly 0.5 2025-06-24 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539813026-EAQJMLRXKI64CUNQ4OFZ/AdobeStock_430788688_1000-e1718097035292.jpg Vintage Wealth Management Limited - New tax year: A guide to key changes for 2024/2025 - A guide to key changes for 2024/2025 The end of the tax year is typically a trigger for a flurry of financial activity. The hard deadline of 5 April inevitably sharpens minds on budgets, income, allowances and liabilities. But with the dawning of a new day on 6 April comes the beginning of a new tax year. This is not only a chance for slates to be wiped clean but also a chance to give thought to incoming policy changes and how they might impact on your personal finances. With several such changes flagged by the Chancellor in recent budgets, here we provide an overview of some of the key areas of change to look out for in the 2024/2025 tax year. https://www.vintagewealth.co.uk/blog/probate-and-iht-helping-families-avoid-the-financial-trap monthly 0.5 2025-06-24 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539812724-LZIV89VM8IVJ8QDD326J/AdobeStock_137325555_1000.jpg Vintage Wealth Management Limited - Probate and IHT: Helping families avoid the financial trap - Helping families avoid the financial trap The certainties of death and taxes, as famously articulated by Benjamin Franklin, point to the fact that everyone is likely to experience grief at some point in their lives.How we react is deeply personal, but there are said to be five principal emotional ‘stages’: denial, anger, bargaining, depression and acceptance.In recent years, many people in this situation will also be familiar with feelings of frustration as a result of well-documented delays in the probate system.Probate, in a nutshell, is the official approval to manage the process of distributing the assets, belongings and wealth of someone who has died – known as their estate. In many cases, this process will be carried out by one or more executors according to the wishes set out in the deceased’s will.However, probate can only be entered into after an application has been approved by the Probate Service, run by HM Courts and Tribunals Service, and this system has been beset by delays. https://www.vintagewealth.co.uk/blog/budget-2024-summary-of-key-points monthly 0.5 2025-06-24 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539812430-7WYOBKRCEF5IJ30HLL20/AdobeStock_425252789_1000.jpg Vintage Wealth Management Limited - Budget 2024: Summary of key points - Budget 2024: Summary of key points When Budget Day approaches, excitement builds around the contents of the speech contained within the Chancellor’s famous red dispatch box. In 2023, the Autumn Statement was preceded by a lot of noise around possible cuts to Inheritance Tax, which ultimately failed to materialise. This Spring, the expectation was that Chancellor Hunt might make headline-grabbing, voter-friendly changes in what was the last Budget before a General Election. But, again, the forecasts were not all entirely on the mark. Not only was the topic of Inheritance Tax avoided, but the Chancellor also declined to make any changes in relation to either Income Tax bands or Income Tax rates. There were, however, plenty of other changes, with potential implications for people in work, parents, small businesses, owners of multiple properties, and those not domiciled in the UK.Key measures included: https://www.vintagewealth.co.uk/blog/questions-to-consider-about-pensions-and-inheritance monthly 0.5 2025-06-24 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539811625-6CT70GEBM5VEKT2BYJ8A/AdobeStock_288350522_1000.jpg Vintage Wealth Management Limited - Questions to consider about pensions and inheritance - Pensions and inheritance After decades of working and saving hard, many people understandably look forward to the idea of enjoying the rewards during a long and comfortable retirement.But sadly, life can sometimes have other plans, which can lead to far less comfortable questions about what happens to your pension savings after you die. How will your wealth be passed on? What are the implications for those set to inherit? Will they be forced to deal with unexpected tax liabilities?For anyone yet to consider these issues within their financial planning, there are some important points that can be helpful to factor into your thinking. https://www.vintagewealth.co.uk/blog/overcoming-retirement-anxiety-to-face-your-financial-future-with-confidence monthly 0.5 2025-06-24 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539812126-XKBLPLHEYU9YN3E00PMW/Retirement-Anxiety_1000.jpg Vintage Wealth Management Limited - Overcoming retirement anxiety: Facing your financial future with confidence - Facing your financial future with confidence Despite spending much of our working lives aiming towards retirement, for many people, it is a destination shrouded in mystery.After all, not everyone has a clear idea of when they will get there or what it will look like when they do.This is down to the fact that retirement is dependent on a number of important variables, not least our personal finances. Over time, our ability to balance earnings and outgoings with savings and investments has a major influence on the strength of the financial foundations we set down for later life.Any changes to these elements, including unexpected financial shocks, can have a knock-on effect for decisions about the timing and the type of lifestyle we can expect to enjoy in retirement. https://www.vintagewealth.co.uk/blog/sticking-to-your-financial-resolutions-for-2024 monthly 0.5 2025-06-24 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539811327-FN3LXJKQKXV5Y148FNZI/AdobeStock_680730899_1000.jpg Vintage Wealth Management Limited - Sticking to your financial resolutions for 2024 - Sticking to your financial resolutions for 2024 If your New Year began with the promise to make positive change in relation to your health, you are not alone.As many as 62% of Britons were thought to have made a commitment to improving their physical wellbeing in 2024, making it the most common type of New Year’s resolution, according to one survey.Second place on the resolution priority list, meanwhile, was reserved for money matters, highlighting how people are keen to get their finances – as well as their physique – in good order for the year ahead.While setting financial objectives might be regarded as comparatively simple, it can be a highly involved task. And, like many admirable ambitions to make it from couch to 5k, it’s easy for targets to fall by the wayside if you are not set up to succeed. https://www.vintagewealth.co.uk/blog/autumn-statement-overview-of-key-announcements monthly 0.5 2025-06-24 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539810202-BVB6JFQ6GYAGTAWRKXZ4/AdobeStock_87381277_1000.jpg Vintage Wealth Management Limited - Autumn Statement: Overview of key announcements - Autumn Statement: Overview of key announcements While much-anticipated cuts to inheritance tax and income tax failed to materialise, the Autumn Statement did contain more than 100 measures designed to “raise business investment, get more people into work, reduce inflation next year and increase GDP”.Here, we provide an overview of the key points from Chancellor Jeremy Hunt’s speech to the House of Commons on 22 November, including changes to ISAs, pensions and business investment.The full details on the autumn statement are available on the Government website. https://www.vintagewealth.co.uk/blog/good-to-talk-opening-up-on-the-tricky-topic-of-family-inheritance monthly 0.5 2025-06-24 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539809925-IUMSJ58Q9MDYY6PFFKM1/AdobeStock_357614796_1000.jpg Vintage Wealth Management Limited - Good to talk: Opening up on the tricky topic of family inheritance - Opening up on the tricky topic of family inheritance While sometimes a source of frustration, family can for many people also provide an important source of strength, structure and purpose in life. For older generations, a potentially important strand to this notion is the ability to support younger generations through the passing on of wealth, either during your lifetime or in the form of inheritance. Recently, the subject of financial legacy has been brought into sharp focus by the suggestion that we are on the cusp of a major inter-generational shift in wealth. This theory is rooted in the fact that Baby Boomers, born in the wake of the Second World War, are now typically well into retirement and facing decisions in the coming years around passing on their wealth to children, grandchildren and other family members. The generalised view of the Baby Boomer generation is that they have prospered on the back of decades of economic growth and rising property prices. In the US, one estimate suggests this accumulation of wealth has left individuals of this age with a mean net worth of somewhere between £799,000 and £989,000, making for a substantial legacy.In the UK, it is thought this could lead to more than £5.5 trillion being passed on to younger generations in the decades ahead – a sum that is almost three times annual GDP. https://www.vintagewealth.co.uk/blog/fair-share-prioritising-pensions-during-a-divorce monthly 0.5 2025-06-24 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539809626-XIF7B6273TQNZYQWNWTT/Divorcing-Older-COuple-_1000.jpg Vintage Wealth Management Limited - Fair share: Prioritising pensions during a divorce - Fair share: Prioritising pensions during a divorce Whether or not it ranks above moving house or losing your job, there is no doubt that going through a divorce is among the most stressful experiences that life can throw at you.Even when the circumstances are not acrimonious, the ramifications of a decision to separate can be incredibly difficult for those directly involved, as well as for their friends and family. Amid all the emotional upheaval, it is understandable that financial matters might not necessarily be front of mind, but recent research has highlighted how a failure to consider important assets can lead to divorce settlements being made along uneven monetary lines. According to the study by Which?, as many as seven in ten (71%) divorcing couples did not include pensions in their financial settlement. This comes despite pension savings making up the largest proportion of a household’s net wealth (42%), ahead of property (36%), financial savings (13%) and physical belongings (9%). https://www.vintagewealth.co.uk/blog/right-first-time-three-routes-into-home-ownership monthly 0.5 2025-06-24 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539809127-EC0IWYR22T1M4TJ9U1DQ/AdobeStock_265114392_1000.jpg Vintage Wealth Management Limited - Right first time: Three routes into home ownership - Three routes into home ownership Getting onto the property ladder can be an overwhelming experience.Aside from the large-scale financial commitment, there are the highs of excitement and hope as well as the possible lows of frustration and disappointment. On top of that, there is the need to engage in multi-stakeholder communications involving lenders, sellers, agents, surveyors, legal teams and others, all of which can make for a complicated process fraught with stress.For the first-time buyers of today, changeable market conditions are adding an extra layer of complexity into this mix: interest rates have climbed above 5% after languishing below 1% for more than a decade, uncertainty surrounds the future of mortgage rates, and house prices are falling from record highs.On top of this, first-time buyers across most of the UK can no longer rely on the support of the Help to Buy scheme. Launched by then Chancellor George Osborne in 2013, Help to Buy provided access to five-year, interest-free equity loans to support the purchase of new-build housing. With only the requirement to find a 5% deposit, it provided a helpful lift onto the property ladder for many who would otherwise not have been able to afford such a move.On March 31st this year the scheme finally closed in all parts of the UK apart from Wales (where it has been extended to 2025), leaving first-time buyers who are struggling with affordability to seek alternative sources of support. Here, we look at some of the potential routes to consider. https://www.vintagewealth.co.uk/blog/rising-interest-turning-attention-to-cash-strategies-in-wake-of-rate-hikes monthly 0.5 2025-06-24 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539808723-E38KUUCI4IB3YPTHV25E/AdobeStock_593238930_1000.jpg Vintage Wealth Management Limited - Rising interest: Turning attention to cash strategies in wake of rate hikes - Turning attention to cash strategies in wake of rate hikes For a prolonged period, rock-bottom interest rates meant securing returns from money held in current and savings accounts has been a challenging task.While some will have been rewarded for adopting a more proactive approach to cash management, any funds left dormant will have generated interest at a level probably best described as lower-than-hoped-for.After a series of rises in the Official Bank Rate, however, cash has taken on an altogether different perspective. Today, many people in the UK who have built up reserves find themselves in the unexpected and unfamiliar situation where they can potentially generate more generous returns from cash than they have been able to in the recent past. For these savers, interest just got a lot more interesting. https://www.vintagewealth.co.uk/blog/legacy-planning-in-the-face-of-rising-inheritance-tax-liabilities monthly 0.5 2025-06-24 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539808425-HVSQ8FZKIPZH6WO31ZNC/AdobeStock_273846649_1000.jpg Vintage Wealth Management Limited - Legacy planning in the face of rising inheritance tax liabilities - Rising inheritance tax liabilities The idea of passing your wealth to loved ones after you’ve gone seems a relatively simple wish, but it is one that can also come with complications.In cases where legacy plans are not thought through in detail, or where they are not kept up to date, unprepared family members can find themselves having to deal with a potentially difficult financial situation after the death of a family member.One of the major factors at play here is inheritance tax. Formalised with its current name in the Finance Act of 1986, inheritance tax has been a fixture of the UK taxation system for more than a century, although the concept of a duty payable on personal estates after death stretches back as far as the probate duty on wills in 1694.Today, inheritance tax is paid to HM Revenue and Customs (HMRC) when the value of the estate (the property, money and possessions) of the deceased individual exceeds the threshold of £325,000, known as the nil-rate band. Tax is typically charged at the rate of 40% in relation to the part of your estate above this threshold.This threshold can increase to £500,000 if you are giving away your main residence to children, including adopted, foster or stepchildren, or grandchildren. This is known as the residence nil-rate band. https://www.vintagewealth.co.uk/blog/raising-the-bar-new-consumer-duty-rules-come-into-force monthly 0.5 2025-06-24 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539808125-7WIHNO6YMNI7SI0JWZU8/Consumer-Duty_1000.jpg Vintage Wealth Management Limited - Raising the bar: New Consumer Duty rules come into force - New Consumer Duty rules come into force There are very few people working within the UK financial services industry who would not have been aware that 31st July 2023 was a significant milestone.This was the day the long-awaited Consumer Duty rules came into force, aiming to “set a higher standard of consumer protection in financial services”, according to industry regulator the Financial Conduct Authority (FCA). Commentators have variously described the introduction of the Duty as “a true step change”, the advent of “a brave new world”, and the biggest regulatory shake-up in a decade.And yet the audience set to benefit from this shift most – consumers of financial services products – can be forgiven if the 31st July milestone passed them by. Research has shown that just a third (33%) of clients receiving financial advice were aware of the rules ahead of their implementation.Awareness and understanding will undoubtedly grow as the Consumer Duty becomes more embedded, but to summarise the core premise, the rules demand that firms are honest in their dealings with customers, helping them avoid harm and supporting them in pursuing their financial goals.For consumers, this objective will manifest itself in three key ways: getting the support you need, when you need it; receiving communications you understand; and accessing products and services that meet your needs and offer fair value. A complete list of the promises that financial services providers must adhere to under the Consumer Duty rules is available on the FCA website. https://www.vintagewealth.co.uk/blog/mortgage-rates-property-ownership-in-a-higher-interest-era monthly 0.5 2025-06-24 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539807630-FOU9OPMQALFRY7IPU0HO/AdobeStock_603528617_1000.jpg Vintage Wealth Management Limited - Mortgage rates: Property ownership in a higher-interest era - Property ownership in a higher-interest era Rising interest rates might have given savers cause for celebration in recent times, but the mood has not necessarily been as positive among those funding a property investment.In July, the average interest rate on a two-year fixed mortgage deal hit 6.66%, edging past the previous peak registered in the wake of the Truss-Kwarteng Mini-budget in September 2022. In doing so, it reached the highest level in the 15 years since the 2008 financial crisis.While many borrowers were hopeful that a subsequent dip in rates was a sign of further falls to come, it was not to be the case. Data from financial information provider Moneyfacts later revealed further fractional rises for both two-year and five-year fixes.This fluctuating situation has left many homeowners, would-be homeowners and landlords in a difficult situation, reflecting on what is happening in the mortgage market and, crucially, trying to work out ‘what will happen next?’ https://www.vintagewealth.co.uk/blog/isa-overview-tax-efficient-options-for-savings-and-investment monthly 0.5 2025-06-24 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539807025-F2R043IJKMJ2TBSG8DKL/AdobeStock_573875946_1000.jpg Vintage Wealth Management Limited - ISA Overview: Tax-efficient options for savings and investment - ISA Overview: Tax-efficient options for savings and investment Despite the advance warnings in the media, the Bank of England’s decision to ratchet up the official Bank Rate by half a percentage point in June was a move that still prompted a ripple of surprise.Consistent increases over the past 18 months have now pushed the interest rate to a level that has not been seen since 2008 – a time when the world was in the midst of a financial crisis and today’s average first-time buyer would have been just 17 years old.For many people, therefore, a world where interest rates are fixed above 1% is both unfamiliar and uncomfortable territory. Not only does inflation – the catalyst behind rate rises – continue to push the cost of living ever higher, but banks and building societies are also increasing the cost of borrowing. The net result is that many households face the possibility of an unwelcome jump in mortgage costs at the same time as they are grappling with weakened spending power.In the face of this squeeze, those with cash reserves are understandably looking to make their wealth work as hard as possible and to get the maximum benefit from higher savings rates.This can be seen in the fact that a net amount of £4.6bn was withdrawn from banks and building societies in May, according to figures from the Bank of England, which is reported to be the largest amount since records began. While some of this total will no doubt be directed towards higher household costs, billions are also being filtered into Individual Savings Accounts (ISAs) as investors look to take a tax-efficient approach to optimising returns. https://www.vintagewealth.co.uk/blog/best-of-both-worlds-the-growing-appeal-of-semi-retirement monthly 0.5 2025-06-24 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539805424-D1MM4OD28N103MBVNGEG/AdobeStock_450927396_1000.jpg Vintage Wealth Management Limited - Best of both worlds? The growing appeal of semi-retirement - Best of both worlds? The growing appeal of semi-retirement Until relatively recently, the question of your age of retirement could be met with a relatively straightforward answer. For more than half a century, the State Pension age was fixed at 65 for men and 60 for women, and these milestones were commonly regarded as an exit point from employment.Today, not only is the State Pension subject to forthcoming changes, but the entire notion of retirement is being re-evaluated altogether. Reaching State Pension age is no longer regarded as the finishing-line on a full-time career, with many people taking a more flexible approach and considering how work and life can best be balanced in later years.In this article, we look at the trend of semi-retirement, exploring its popularity among those approaching retirement and looking at some of the important financial considerations involved. https://www.vintagewealth.co.uk/blog/income-protection-shielding-yourself-from-the-financial-impact-of-poor-health monthly 0.5 2025-06-24 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539806723-1V5LGGGNP63YAMXXYLUJ/Income-Protection-Family.jpg Vintage Wealth Management Limited - Income protection: Shielding yourself from the financial impact of poor health - Income protection: Shielding yourself from the financial impact of poor health On 6 May 2023, more than three years after the outbreak of the pandemic, World Health Organization Director-General Tedros Ghebreyesus announced that Covid-19 would no longer be recognised as a public health emergency of international concern.While an important milestone, this official ‘declassification’ falls in line with a broader narrative of de-escalation around the virus. In the UK, for example, the ‘living with Covid’ strategy had already put a pause on some official data gathering activities and the cancellation of the NHS Covid app had put an end to the risk of ‘getting pinged’.Despite receding from prominence, however, there is clear evidence of Covid-19’s ongoing threat to our health. This is not only from the continued direct risk of infection, but also in terms of the associated difficulties many are facing in the wake of the pandemic, including long-Covid and poor mental health. Indeed, research by Mind has found that around a third of adults and young people report that their mental health is much worse since March 2020.For some, this decline, whether triggered by the pandemic or other forces, can have damaging knock-on effects. Indeed, the Chartered Institute of Professional Development (CIPD) has identified mental ill health as the leading factor behind long-term employee absence, with 57% of employers citing it among their top three causes. This was above musculoskeletal injuries, such as neck strain and back pain, which was included by 46%, and stress, which was included by 38%. https://www.vintagewealth.co.uk/blog/retirement-planning-mind-your-national-insurance-gaps monthly 0.5 2025-06-24 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539805326-1XSIJ61BOYRBLIJSVXMS/Retirement-NI-Gaps_1000.jpg Vintage Wealth Management Limited - Retirement planning: Mind your National Insurance gaps - Retirement planning: Mind your National Insurance gaps Among the milestones that define your later years, reaching pensionable age is one of the most significant.For those who have not already left the world of work behind, it can officially mark the transition into retirement and the chance to begin a new phase of life. By definition, it can also open the door to a stream of income via the State Pension.It is important to note, however, that there are no absolute guarantees. The new State Pension is not a fixed amount, universally distributed to anyone who reaches pensionable age. Indeed, whether you qualify and how much you will receive directly depends on the number of ‘qualifying years’ of National Insurance contributions (NICs) that you have accrued.The new State Pension was introduced on 6 April 2016. To get any State Pension at all, you need to have at least ten qualifying years on your National Insurance record. These do not need to be recorded consecutively. https://www.vintagewealth.co.uk/blog/mind-the-advice-gap-why-not-all-financial-advice-is-the-same monthly 0.5 2025-06-24 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539805077-6U3Z9AIJYRZCWNA9EGHA/AdobeStock_300406822_1000.jpg Vintage Wealth Management Limited - Mind the advice gap: Why not all financial advice is the same - Mind the advice gap: Why not all financial advice is the same Whether it’s borrowing a large sum to support a house purchase or putting enough money away to support your retirement, life is full of big financial decisions.Perhaps it is surprising then that not everyone will always make such decisions from a well-informed position. Indeed, almost two-thirds (64%) of UK adults with savings, investments or a mortgage surveyed on behalf of the Financial Services Compensation Scheme (FSCS) confessed to not having sought regulated financial advice within five years.There are further eye-opening insights from the research, which serves to highlight the huge variation in attitudes, behaviours and knowledge that exist when it comes to accessing information about financial products. These differences are driven by a range of factors, from the geographic to the generational, and here we take a look behind some of the headline findings. https://www.vintagewealth.co.uk/blog/capital-gains-and-dividend-income-tax-year-end-heralds-reduction-in-annual-allowances monthly 0.5 2025-06-24 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539804525-XM1AM4FC52VN8VAIPBYO/AdobeStock_536674292_1000.jpeg Vintage Wealth Management Limited - Capital gains and dividend income: Tax-year end heralds reduction in annual allowances - Capital gains and dividend income: Tax-year end heralds reduction in annual allowances The end of the tax year on 5 April is a date etched into many people’s minds. With annual tax allowances reset the following day, this hard deadline presents a ‘use it or lose it’ scenario.In 2023, further urgency has been added to the tax-year end given that a number of previously announced changes to the system will be coming into effect from 6 April. In this article, we look at some of those changes, highlighting what they could mean for your wealth and what actions you might be able to take to mitigate their impact. https://www.vintagewealth.co.uk/blog/tax-year-end-an-essential-overview-of-pension-allowances monthly 0.5 2025-06-24 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539804022-WB4VLKHB9YGB6WO747BP/AdobeStock_428958666_1000_2.jpg Vintage Wealth Management Limited - Tax-year end: An essential overview of pension allowances - Tax-year end: An essential overview of pension allowances Just as the end-of-January self-assessment deadline fades from view, another date in the HMRC calendar comes hurtling into focus: the end of the tax year on 5 April.As this important fiscal milestone approaches, many will be prompted to review their tax affairs, ensuring they are making the most of the annual allowances and reliefs available while not incurring any unwelcome or unexpected charges. In this article, we explore the role of pension contributions, highlighting some of the key points to consider as the tax-year end approaches. https://www.vintagewealth.co.uk/blog/family-matters-generous-ways-to-support-younger-generations monthly 0.5 2025-06-24 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539804125-4CIKJ5D43EZ69MGPPT6T/BOGAG-Family-1000.jpg Vintage Wealth Management Limited - Family matters: Generous ways to support younger generations - Generous ways to support younger generations Turning to older generations for financial support is not a new phenomenon. However, there is evidence that the current cost-of-living crisis has increased the likelihood that family and friends are receiving financial assistance from their nearest and dearest. We explored this trend in a previous article, looking at how an estimated 4.3 million retired people – known as the Bank of Gran and Grandad – are providing help by passing on the wealth within their savings and investments. Specifically, we focused on the issue of gifting and some of the tax considerations that arise in relation to this method of wealth transfer. While gifting can offer many benefits, particularly where there is an immediate need, it is not the only route open to grandparents who are keen to give financial help to their children and grandchildren. In this article we look at some of the alternative options for investing in the futures of younger generations. https://www.vintagewealth.co.uk/blog/family-matters-grandparents-step-up-financial-support-in-cost-of-living-crisis monthly 0.5 2025-06-24 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539803024-BQIZ03687VANKPHF1OA5/AdobeStock_351659292_1000.jpg Vintage Wealth Management Limited - Family matters: Grandparents step up financial support in cost-of-living crisis - Family matters: Grandparents step up financial support in cost-of-living crisis Whether we’re struggling with an issue related to our health, wealth or happiness, in times of crisis, our loved ones are typically the first people we turn to for help.This has certainly been the case during the cost-of-living crisis, with huge numbers receiving financial assistance from those closest to them. Indeed, research from the LV= Wealth and Wellbeing Monitor found that more than 20 million UK adults provided financial help to family and friends in the first six months of 2022 as prices for energy, food and fuel soared. https://www.vintagewealth.co.uk/blog/autumn-statement-2022-a-summary-of-key-changes monthly 0.5 2025-06-24 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539802324-H7QXV9J68KB836OHO81Q/Autumn-Statement_1000.jpg Vintage Wealth Management Limited - Autumn Statement 2022: A summary of key changes - Autumn Statement 2022: A summary of key changes Context, they say, is everything. It was certainly at the forefront of Chancellor Jeremy Hunt’s mind when he delivered the Autumn Statement to the House of Commons on 17 November.Before making any policy announcements, the Chancellor heavily underlined the prevailing conditions in the global economic landscape. He referenced the spectre of recession. He spoke of the war in Ukraine’s role in pushing energy and food prices higher. He highlighted its contribution to a sustained period of inflation, which central banks are seeking to control through interest rate rises. https://www.vintagewealth.co.uk/blog/income-protection-finding-an-answer-to-uncomfortable-questions monthly 0.5 2025-06-24 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539802225-9TVKZHG5VABJ9MEU4P98/AdobeStock_176767160_1000.jpg Vintage Wealth Management Limited - Income protection: Finding an answer to uncomfortable questions - Income protection: Finding an answer to uncomfortable questions If you’ve ever taken a moment to imagine your life as a lottery winner, then you’ll know how good our brains can be at painting vivid, happy images of the future. Conversely, they are not so good at envisaging life’s more uncomfortable realities. When faced with these situations, a primal survival instinct kicks in and we automatically shut the idea down or deny the fact that it might happen to us. It’s effectively a hardwired mechanism to protect ourselves against scenarios that scare us.Prior to the Spring of 2022, for example, few people would have given serious thought to the likelihood of their monthly wage being threatened by a global pandemic. And yet, almost overnight, many businesses found themselves in precarious financial positions and millions of employees found themselves being supported by the furlough scheme. https://www.vintagewealth.co.uk/blog/extending-your-property-investment-reach-with-bridging-finance monthly 0.5 2025-06-24 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539800929-SZIY8VCH8U1CRJC4U6WO/AdobeStock_162859390_1000.jpg Vintage Wealth Management Limited - Extending your property investment reach with bridging finance - Extending your property investment reach with bridging finance In a competitive property market, when good opportunities arise, it can sometimes be a case of blink and you’ve missed it.For residential and commercial markets alike, the imbalance between supply and demand means the window of time to secure a desirable investment can be narrow – and it can also quickly slam shut. Move too slowly and, in some cases, the satisfaction of sealing a deal is replaced by the frustration at just missing out.This goes some way to explaining the growing interest in bridging finance in recent years. Bridging finance is designed to provide a short-term funding ‘bridge’ between longer-term borrowing arrangements. There are many instances where it can be beneficial (see below), and many are linked to providing more immediate tactical funding in the context of wider strategic objectives.In the first quarter of 2022, the value of bridging loans increased by 8.5% year-on-year, according to data from Bridging Trends. Borrowers cited the purchase of an investment property as the main reason behind accessing bridging finance, ahead of funding a chain break. The average loan term was clocked at 12 months and average completion time at 53 days. https://www.vintagewealth.co.uk/blog/reversing-the-mini-budget-where-do-things-stand-now monthly 0.5 2025-06-24 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539800223-EM5TB3NAE146FDCRX5V3/AdobeStock_135169507_1000.jpg Vintage Wealth Management Limited - Reversing the Mini-Budget: Where do things stand now? - Reversing the Mini-Budget: Where do things stand now? It used to be that a week was a long time in politics. As recent events have shown, however, there is plenty that can happen in the space of just a few days.On October 17, a mere 72 hours after replacing Kwasi Kwarteng as Chancellor of the Exchequer, Jeremy Hunt made a statement in the House of Commons that outlined a raft of significant changes to the fiscal policies introduced by his predecessor. The speech reversed many of the marquee announcements from the Growth Plan – known as the mini-Budget – which had been delivered to the House less than a month earlier.Chancellor Hunt said the series of dramatic U-turns was made “to ensure there is trust and confidence in our national finances” in the face of negative reaction to the mini-Budget from global markets.Vintage previously provided a summary of the key announcements from the mini-Budget, and here we clarify the changes that have since been confirmed by Chancellor Hunt. https://www.vintagewealth.co.uk/blog/business-protection-managing-the-risk-of-losing-a-key-person monthly 0.5 2025-06-24 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539800823-IL2ADPEOPBKVRIADMPCZ/AdobeStock_445858977_1000.jpg Vintage Wealth Management Limited - Business protection: Managing the risk of losing a key person - Business protection: Managing the risk of losing a key person Ask any employer what they value most within their business and one response is guaranteed to crop up again and again: their people.And amid the current battle for talent, the value that employees – and particularly good employees – can bring to a business has only been amplified.For example, data from the Office for National Statistics underlines the difficult dynamic in today’s recruitment market, where vacancy postings are at sustained highs, unemployment rates remain low, and employment rates are pushing new records. On top of this, there is a continued flow of experienced workers leaving the labour market, all of which translates into fierce competition for high-quality candidates. https://www.vintagewealth.co.uk/blog/mini-budget-summary-of-key-announcements monthly 0.5 2025-06-24 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539799524-Q3SE2SRWXSDIUSXIJRBD/Kwasi-Kwarteng-Crop.png Vintage Wealth Management Limited - Mini-Budget: Summary of key announcements - Mini-Budget: Summary of key announcements Just 17 days after being appointed Chancellor of the Exchequer, Kwasi Kwarteng set out his Growth Plan to the House of Commons on September 23.It was labelled a mini-Budget, but the Chancellor’s first intervention on fiscal policy has been the source of major discussion.Here, we provide an overview of the key points. UPDATE: On October 17, a number of mini-Budget policy U-turns were announced by Jeremy Hunt, who had earlier replaced Kwasi Kwarteng as Chancellor. These are detailed in a separate article.UPDATE: On October 3, the Government announced it would not in fact be proceeding with the abolition of the 45p tax rate as previously indicated in the Growth Plan. https://www.vintagewealth.co.uk/blog/putting-clients-first-an-overview-of-the-incoming-consumer-duty monthly 0.5 2025-06-24 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539799222-ACT5MTG709R2MB0FN8G7/AdobeStock_357260090_1000.jpg Vintage Wealth Management Limited - Putting clients first: An overview of the incoming Consumer Duty - Putting clients first: An overview of the incoming Consumer Duty For many people, hearing the word ‘duty’ when discussing financial matters can conjure up connotations of taxes rather than its alternative sense as a moral obligation or responsibility.But the Financial Conduct Authority (FCA) is playing its part in changing this situation with the introduction of the Consumer Duty – a new set of rules designed to enhance levels of consumer protection and customer service for anyone investing in retail financial products, services or support.In this article, we provide an overview of what the Consumer Duty is, why it is being introduced, and what – if anything – it will mean for clients. https://www.vintagewealth.co.uk/blog/statement-regarding-the-death-of-queen-elizabeth-ii monthly 0.5 2025-06-24 https://www.vintagewealth.co.uk/blog/rates-on-the-rise-whats-happening-with-interest-rates monthly 0.5 2025-06-24 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539799422-QR2EH4HX0M5W2VB9NDO7/AdobeStock_376646128_1000.jpg Vintage Wealth Management Limited - Rates on the rise: What’s happening with interest rates? - Rates on the rise: What’s happening with interest rates? Despite its name, the interest rate is not something that always attracts a great deal of attention or discussion.And yet the Bank of England’s decision in August 2022 to raise the interest rate to 1.75% was the trigger for a burst of immediate reaction as well as a long tail of analysis, opinion and conjecture.Following on from our recent article looking at rising rates of inflation, this article reflects on what’s happening with interest rates and what could happen next. https://www.vintagewealth.co.uk/blog/rates-on-the-rise-whats-happening-with-inflation monthly 0.5 2025-06-24 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539798425-LAYOK6LYYAYLPT0844UF/VWM-Inflation-Retail-Grocery_1000.jpg Vintage Wealth Management Limited - Rates on the rise: What’s happening with inflation? - Rates on the rise: What’s happening with inflation? In the midst of a so-called Cost of Living Crisis, it can be easy to get overwhelmed by what feels like a constant barrage of headlines about price rises.References to inflation are seemingly relentless, charting increases in everything from the fuel going into our cars to the food going into our trolleys – all of which has a direct impact on the money in our bank accounts.So, with inflation hitting 10.1% in July - its highest level for 40 years - here we look at what’s happening and consider what’s likely to happen next. https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539796122-PHPKERFU3JU81G40GCMM/BoE-CPI-Projection.jpg Vintage Wealth Management Limited - Rates on the rise: What’s happening with inflation? - Credit: Bank of England CPI Inflation projection https://www.vintagewealth.co.uk/blog/cash-management-in-volatile-times monthly 0.5 2025-06-24 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539797726-0YTZEZO1PHVUR0PV1WAI/CashManagement_1000.jpg Vintage Wealth Management Limited - Cash Management in volatile times - Cash Management in volatile times In a period of prolonged turbulence driven by a series of major global events, it’s understandable for people to take solace in the adage that ‘cash is king’.Our financial resilience, first unexpectedly tested by the pandemic, has been further stretched by rising inflation and escalating costs triggered partly by the conflict in Ukraine. This has forced many into a rethink of how their finances are positioned, and how well-placed they are to protect their businesses, their families and themselves into the unknowns of the future.In this context, the appeal of a building up a strong cash balance is clear. Indeed, Bank of England data shows that in the 12 months following the outbreak of the pandemic in March 2020, the total savings deposited by Britons rose by £180 billion from £1.5 trillion to £1.68 trillion. Separately, corporate cash holdings rose by £152bn, or 29%, between the end of 2019 and October 2021.However, calculations carried out by the Centre for Economic and Business Research (CEBR) on behalf of Shawbrook reveal that SME firms alone are leaving £4.2 billion in extra interest on the table each year by not managing their cash more effectively.Here, we look at the key considerations for savers who find themselves in a stronger cash position. https://www.vintagewealth.co.uk/blog/trustees-reminded-of-registration-responsibilities-as-hmrc-deadline-looms monthly 0.5 2025-06-24 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539797825-DKG2BA8L1FVLCC9KQEXV/Trust-Registration-Deadline-1000.jpg Vintage Wealth Management Limited - Trustees reminded of registration responsibilities as HMRC deadline looms - Trustees reminded of registration responsibilities as HMRC deadline looms Only a few weeks remain for trustees to meet the deadline to register details of their trust with the government as part of expanded trustee reporting requirements.By 1 September 2022, most trusts are required to be registered with HM Revenue & Customs via the Trust Registration Service (TRS).The deadline forms part of recent changes that are expected to significantly expand the number of trusts registered with HMRC. This article provides an overview of the rule changes and what trustees need to do to ensure their compliance. For further guidance, please contact the Vintage Wealth Management expert advisory team. https://www.vintagewealth.co.uk/blog/wills-and-probate-creating-a-family-friendly-financial-plan-for-the-future monthly 0.5 2025-06-24 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539792426-VFRN367ZTQAIHC1ZW1OX/AdobeStock_303823501_1000.jpg Vintage Wealth Management Limited - Wills and probate: Creating a family-friendly financial plan for the future - Wills and probate: Creating a family-friendly financial plan for the future In a busy world, our energies are normally focused on working through an extensive daily to-do list rather than spent contemplating our own mortality.But then, the last few years have been anything but normal. The intense experience of Covid-19, with its inescapable soundtrack of uncomfortable news headlines, provided a sad and stark reminder of the fact that death comes to us all eventually.Having pushed people into a position of contemplation, many were then driven to action, with a spike in will writing reported following the onset of the pandemic. This is reinforced by data from the UK Wills, Probate & Trusts Market Report 2022, produced by IRN Research, which points to strong growth in will writing in the prior 12 months. It suggests furthermore that this momentum will continue, swelling the will-writing market to a value of £2.4bn by 2025.Separate research from Legal & General indicates that Covid-19’s influence on will writing was felt most keenly by those in younger age groups (who are less likely to already have a will in place). The insurer found that more than a fifth (22%) of respondents aged 16-24 strongly agreed that their perspective on will writing had changed since the pandemic. https://www.vintagewealth.co.uk/blog/business-protection-making-sure-your-key-assets-are-covered monthly 0.5 2025-06-24 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539793425-Y4SGA7VU5LW772YQVZFJ/AdobeStock_348215929_1000_2.jpg Vintage Wealth Management Limited - Business protection: Making sure your key assets are covered - Business protection: Making sure your key assets are covered Before March 2020, few people in the UK could honestly admit to having heard of the word furlough, let alone using it in their everyday conversations.But eight months later, such was the meteoric rise of this previously obscure term that it was named a Word of the Year by the Oxford English Dictionary.Our embrace of ‘furlough’ – which is descended from a German military description of a soldier’s approved absence from duty – is linked to its role as a lifeline for many individuals and businesses facing the unprecedented personal and financial shock of the pandemic. Today, with the worst of those times behind us, the word might have dropped out of our vocabulary again, but there is evidence that it has left a lasting mark.Through the need for schemes such as furlough, businesses have been awakened to the real possibility of sudden, major disruption and how this could impact their ability to trade. As such, they are placing renewed emphasis on continuity, resilience and risk mitigation - processes that encompass consideration of many hypothetical scenarios, such as what would happen if employees in pivotal roles were suddenly unavailable to work? https://www.vintagewealth.co.uk/blog/retirement-planning-awards monthly 0.5 2025-06-24 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539794725-4VLRU1G1WBDBO2BLYZ9T/Retirement-Planning-Awards.png Vintage Wealth Management Limited - Retirement Planning Awards https://www.vintagewealth.co.uk/blog/tax-changes-how-efficient-investing-can-limit-your-liabilities monthly 0.5 2025-06-24 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539794124-XO3OOP8B7P5NOD2NJIUJ/AdobeStock_382016222_1000.jpg Vintage Wealth Management Limited - Tax changes: How efficient investing can limit your liabilities - Tax changes: How efficient investing can limit your liabilities On March 23, Chancellor Rishi Sunak presented his Spring Statement in the House of Commons.Not typically a platform for the introduction of major changes, this year’s announcement was slightly different thanks to the financial undercurrents swirling around the UK economy – including an estimated £410bn legacy from government measures taken to tackle the pandemic.Back in March, barely a month into the war in Ukraine, households were already being hit by spiralling costs for energy, fuel and other items. Inflation had just increased to 6.2% and was building momentum towards its current level of 9% - the highest it has been for 40 years.The Chancellor’s announcement outlined several changes, including confirmation of the previously announced 1.25% rise in National Insurance Contributions in the form of the Health and Social Care Levy. A number of other rates and thresholds were left untouched. The net result was that millions were left facing up to the duality of an increased tax burden from April as well as a squeeze on their wealth in real terms because of inflationary pressures.Here, we look at some of those key changes and the steps you can take from a tax-planning perspective to maximise available reliefs and reduce your liabilities. https://www.vintagewealth.co.uk/blog/legacy-thinking-estate-preservation-and-reducing-your-iht-burden monthly 0.5 2025-06-24 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539789532-M1J41DIXE7LDM6AMA3YC/AdobeStock_228242503_1000.jpg Vintage Wealth Management Limited - Legacy thinking: Estate preservation and reducing your IHT burden - Legacy thinking: Estate preservation and reducing your IHT burden Despite having the ring of a phrase coined by Charles Dickens, estate preservation is a subject that is very definitely relevant for our modern times.This term describes the process of assessing, managing and protecting your wealth and assets while you are alive, while putting the necessary plans and measures in place to ensure they will be dealt with according to your wishes after you die or become incapacitated.Today, various factors are conspiring to make estate preservation an important area of focus for anyone concerned about their financial legacy. With shrewd planning, it can mean maximising the support provided to loved ones and only meeting the tax obligations that fit with your circumstances. Without appropriate forethought, it can mean a greater share of your wealth is filtered through to the government unnecessarily through tax or that inheritance is not allocated in the way you would choose. https://www.vintagewealth.co.uk/blog/three-key-questions-to-help-inform-an-investment-strategy monthly 0.5 2025-06-24 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539787631-U0KM4IE1MQCQNUMMD539/AdobeStock_345676318_1000.jpg Vintage Wealth Management Limited - Three key questions to help inform an investment strategy - Three key questions to help inform an investment strategy On May 6th, 2022, the Bank of England’s Monetary Policy Committee inched the Bank Rate up by a quarter of a percentage point, pushing it to the highest level for more than a decade.Notable though this move might be, the fact that interest rates stand at 1% means they still remain a long way off historical peaks. At the same time, UK consumers are having to make their money stretch ever further as rising inflation results in higher costs.For many with savings, this set of circumstances has prompted an evaluation of how best to manage and grow their wealth, leading some to consider the merits of investing. https://www.vintagewealth.co.uk/blog/equity-release-what-it-means-to-unlock-your-property-wealth monthly 0.5 2025-06-24 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539785236-RZYLLM0GVKP3H3QXOE5A/AdobeStock_284305867_1000.jpg Vintage Wealth Management Limited - Equity release: What it means to unlock your property wealth - Equity release: What it means to unlock your property wealth In any social gathering, there is one topic of conversation that is never far from the surface and that’s house prices.Understandably so in early 2022, when data from various indices points to a property market that continues to reach new heights. In April, for example, the Rightmove House Price Index revealed that the average price of a property coming to market hit a record high for the third consecutive month, registering a figure of just over £360,000.To put this number in context, it represents a rise of 10% on the previous year and is more than £50,000 above the level recorded in March 2020, just before the pandemic triggered lockdown across the UK.For homeowners, the buoyancy of the property market can provide some comfort in the face of current pressures on the cost of living, and particularly for those whose financial plans might have been impacted negatively by Covid-19 or other unforeseen circumstances. This goes some way to explaining the recent rise in levels of equity release, with an increasing number of people seeking to unlock some of the value built up in their home. https://www.vintagewealth.co.uk/blog/will-the-no-fault-divorce-have-implications-on-financial-planning monthly 0.5 2025-06-24 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539784926-3YTNM7TWLRR3PO8FNX7O/AdobeStock_242521241_1000.jpg Vintage Wealth Management Limited - Will the ‘no-fault divorce’ have implications on financial planning? - Will the ‘no-fault divorce’ have implications on financial planning? Just as no two weddings are alike, the concept of marriage can mean different things to different people.For many, it places an official seal on the promise of a lifelong partnership, backed by a commitment to share all aspects of life together, from the personal to the financial. In this context, the decision to divorce will always be beset with complication and emotion, but recent changes to law have been introduced with a view to making it less confrontational and acrimonious.The Divorce, Dissolution and Separation Act 2020, which came into force on April 6 of this year, avoids the need for one party to attribute blame to the other where an immediate divorce is being sought. Previous rules were based on the need for a petitioner to substantiate why conduct by the other party led the marriage to reach the point of ‘irretrievable breakdown’. https://www.vintagewealth.co.uk/blog/commercial-finance-supporting-business-on-the-road-to-recovery monthly 0.5 2025-06-24 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539784723-1IOEZAFYZOSZKR6A0E6W/AdobeStock_356101836_1000.jpg Vintage Wealth Management Limited - Commercial Finance: Supporting business on the road to recovery - Commercial Finance: Supporting business on the road to recovery Confidence can be a fragile thing at the best of times, so there is little surprise that the rapid and unsettling onset of the pandemic in spring 2020 shook UK business to its core.According to data from the Organisation for Economic Co-operation and Development, business confidence in the UK plummeted during that year to levels only previously seen during the financial crisis of 2008 and the recession of the early 1980s.Over the space of just a few weeks, business doors were shut, employees were sent home and, despite optimistic noises from the Prime Minister about ‘turning the tide’, there was little clarity on the extent of the damage that would be caused by Covid-19. https://www.vintagewealth.co.uk/blog/riding-out-the-storm-savings-and-investments-in-uncertain-times monthly 0.5 2025-06-24 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539784625-7L3BAYA7516OJ3DX1JZR/AdobeStock_279797614_1000.jpg Vintage Wealth Management Limited - Riding out the storm: Savings and investments in uncertain times - Riding out the storm: Savings and investments in uncertain times From the petrol-station forecourt to the supermarket aisles, you don’t need to go far for evidence that we are living through a period of economic instability.In each of these places, UK consumers are seeing the costs of their everyday necessities driven higher by escalating wholesale prices. Petrol and diesel, climbing at the fastest-ever recorded rate, continue to reach new highs while food-price inflation is accelerating.The reasons behind these notable shifts are diverse, but the conflict in Ukraine is clearly a dominant factor, given Russia’s influence on global oil and gas markets and the region’s influential position as a significant exporter of wheat.And while the war must primarily be seen in its context as a humanitarian crisis, these shockwaves show there are also economic implications. Indeed, the UN's trade and development body downgraded its global economic growth projection for 2022 by 1% in reflection of a challenging outlook for a world that was only just beginning to emerge from the depths of a fiscally painful pandemic. https://www.vintagewealth.co.uk/blog/ethical-investments-is-it-always-a-good-idea-to-put-your-money-where-your-morals-are monthly 0.5 2025-06-24 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539780181-0DJ85QCKH85DGSX04ZLS/AdobeStock_279439307_1000.jpg Vintage Wealth Management Limited - Ethical investments: Is it always a good idea to put your money where your morals are? - Ethical investments: Is it always a good idea to put your money where your morals are? We might live in a consumer society, but there is no doubt that the nature of how and where we spend our money is changing fast. Today, as populations around the world become more aware of the significant environmental and social challenges facing our planet, increasing numbers of enlightened people are factoring ethics into their actions and spending decisions. Their aim is to make a positive impact on the world and tackle the negative influences at play. Investment strategies have long been used to support ethical positions, with consumers distancing themselves from companies where they judge their actions to be questionable, unjustifiable or simply damaging. In recent years, however, the momentum behind this movement has gone up several gears, boosted by heightened concern around issues including climate change and social inequality, as well as a growing appetite among populations to enforce change. https://www.vintagewealth.co.uk/blog/dream-team-should-your-accountant-and-adviser-collaborate-more-closely monthly 0.5 2025-06-24 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539781236-AXD03X2640JONZ5JAF24/AdobeStock_283596298_1000.jpg Vintage Wealth Management Limited - Dream team: Should your accountant and adviser collaborate more closely? - Dream team: Should your accountant and adviser collaborate more closely? In our efforts to make sense of a busy, complicated world, we can sometimes apply simple labels to the people and things in our daily lives, compartmentalising them into their separate boxes.It’s an approach that can lead us to package individuals into distinct roles and silos. Even if they share similar interests, the invisible boundaries we construct between them limits the potential for crossover or collaboration.Financial advisers and accountants are a case in point. Despite both parties having a common interest in their clients’ wealth, they can often operate in relative isolation, co-existing with little degree of overlap.However, just as an elite athlete will work with a co-ordinated team of specialist coaches who all support their improved performance from various angles, both physical and psychological, clients can also benefit from greater co-ordination between their team of professional financial advisors. https://www.vintagewealth.co.uk/blog/financial-planning-in-your-50s-the-consequences-of-taking-early-retirement monthly 0.5 2025-06-24 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539779727-0DTQVTDBTYEGE7JJRTYW/AdobeStock_234281561_1000.jpg Vintage Wealth Management Limited - Financial planning in your 50s: the consequences of taking early retirement - Financial planning in your 50s: the consequences of taking early retirement Travelling the world to see all those far-flung destinations on your wish list. Enjoying long days out on the golf course with friends. Taking up that hobby you’ve always promised yourself you would learn.Whatever you plan to do, it’s easy to see why, for many of us, retirement can’t come soon enough. And over the past few years, that dream has captivated increasing numbers of people thanks to the sobering impact of the pandemic.These difficult times have not only led to many workers being burnt out by the intense experience of remote working, but it has also delivered a bit of a wake-up call regarding our own mortality, triggering many to reassess the factors that truly make them happy.As a result, large numbers of those within touching distance of retirement are considering pushing the career ladder aside with a view to gaining more freedom and more time. Indeed, research from Legal & General says this cohort could comprise as many as 1.3 million people.For those in their fifties thinking about the idea of jumping into early retirement or phasing down their work commitments ahead of the official retirement age, such a decision has important consequences. You might be motivated by freeing yourself from the nine-to-five and escaping the rat race, but sound planning is strongly advisable to ensure your personal finances can accommodate the absence of regular income that employment or self-employment brings. After all, the earlier you retire, the longer you will have to wait to benefit from the additional security provided by the State Pension, which is currently only available from the age of 66. https://www.vintagewealth.co.uk/blog/the-wider-impact-of-property-price-growth monthly 0.5 2025-06-24 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539776533-ECRINP9EW5PMP8AQJEAX/AdobeStock_292712849_1000.jpeg Vintage Wealth Management Limited - The Wider Impact of Property Price Growth - The Wider Impact of Property Price Growth Annual house price growth reached 11.2% in January, continuing a powerful upward trend and the strongest start to the year in almost two decades. Data from Nationwide’s latest house price index shows that the 0.8% increase from December 2021 marked the strongest pace of growth since last June.This is especially positive in the light of concerns about the impact of rising inflation on house prices, as the market continues to enjoy a strong demand in comparison to supply for a positive knock-on effect on prices. With 2021 the strongest year for house price growth since 2006, it’s no surprise that demand for property and mortgages is high but we must remain level-headed in terms of what we can expect moving through 2022. https://www.vintagewealth.co.uk/blog/how-will-i-know-when-its-time-to-switch-care-home monthly 0.5 2025-06-24 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539779326-JA126N7LOLQ9D1UN4TT2/adobestock_274060563-1.jpg Vintage Wealth Management Limited - How will I know when it's time to switch care home? - How will I know when it's time to switch care home? The latest post in our care series looks at the reasons why somebody may want or need to change care home, as well as the different options and costs involved with making the move.Choosing a care home for the first time is often a complex process as there are many considerations to make. You and your family will have invested a great deal of time, effort and cost into choosing the most appropriate home, considering personal preferences (such as the level of social activity and geographical location), as well as the type of care on offer. But sometimes, even after the decision has been carefully made and the research done, the care home may not end up being appropriate for your loved one. https://www.vintagewealth.co.uk/blog/integrating-funeral-costs-into-your-financial-plans monthly 0.5 2025-06-24 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539774823-4FDMV0EKXRTRK0YN9W9C/AdobeStock_326781561.jpeg Vintage Wealth Management Limited - Integrating Funeral Costs into your Financial Plans - Integrating Funeral Costs into your Financial Plans With the news that the funeral costs have dropped for the first time in 18 years, we recommend revisiting your financial plans to consider the financial obligations associated with dying and plan accordingly. https://www.vintagewealth.co.uk/blog/a-closer-look-at-junior-isas monthly 0.5 2025-06-24 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539776424-WM1717X6W6275ESFX0QO/adobestock_332094140-1-.jpg Vintage Wealth Management Limited - A Closer Look at Junior ISAs - A Closer Look at Junior ISAs January is the ideal time to review our finances. For those of us with young dependents, putting money away for their future is likely to be a key priority. https://www.vintagewealth.co.uk/blog/how-to-deal-with-evolving-care-needs monthly 0.5 2025-06-24 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539775127-HUDSL2MM78MRPD6CQKME/adobestock_234693438.jpg Vintage Wealth Management Limited - How to Deal with Evolving Care Needs - How to Deal with Evolving Care Needs In this fourth instalment in our blog post series on professional care, we’re considering how to account for changing care needs.Stability is a key element of any effective care plan, especially considering the vulnerability of many older people and the understandable need to feel in control of the situation. It’s only natural for loved ones and indeed their closest family to feel afraid and out of their depth when they reach the point that physical or mental support is needed. That’s why considering all eventualities at the outset is important as every member of the family can financially and emotionally prepare.Ideally, these different scenarios should be considered while the family member is still in good health, sound mind and able to clearly express their own wishes for later life care. https://www.vintagewealth.co.uk/blog/care-planning-in-home-care-or-a-residential-facility monthly 0.5 2025-06-24 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539774223-OZLW8UIGPZ7AMS9YLMNU/Webp.net-resizeimage-4-1.jpg Vintage Wealth Management Limited - Care Planning: In-home care or a residential facility? - Care Planning: In-home care or a residential facility? The third instalment in our care planning blog series looks at some of the key concerns that families have when it comes to arranging care. Specifically, we’re looking at how the individual can maximise the time they remain at home before seeking professional care. We’re also considering whether they may need to sell their home to cover care costs, as well as any viable alternatives. https://www.vintagewealth.co.uk/blog/important-financial-changes-for-the-self-employed monthly 0.5 2025-06-24 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539772828-KC5N6SD7TZ9Q2AXMR1UG/adobestock_343811182-1.jpg Vintage Wealth Management Limited - Important Financial Changes for the Self-Employed - Important Financial Changes for the Self-Employed New government guidance relating to taxes for the self-employed is making things even more difficult for those that work for themselves. Coupled with rising numbers of people choosing to become self-employed, now is a pertinent time to take a broad look at the best way for this demographic to organise finances and optimise outcomes. https://www.vintagewealth.co.uk/blog/assessing-your-options-when-a-parent-needs-care monthly 0.5 2025-06-24 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539772027-J0DB09C5ZN7CP6CZT2IR/Webp.net-resizeimage-2.jpg Vintage Wealth Management Limited - Assessing Your Options when a Parent Needs Care - Assessing Your Options when a Parent Needs Care As the second post in our bi-weekly care series, we are looking at how to assess your parents’ needs and subsequently explore options when it comes to care. If you are uncertain over whether your parent is in need of professional care, please click here to read our first post in the series, After you and your family have identified the need for care, it’s time to assess the individual needs of your loved one and pinpoint effective solutions. Acknowledging the need for care as early as possible is important as this will maximise the options available. This means recognising that the individual is struggling to manage the day-to-day due to physical and/or mental health limitations. https://www.vintagewealth.co.uk/blog/how-to-identify-when-your-loved-ones-need-care monthly 0.5 2025-06-24 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539771633-XAAUMPQZPBCQ2WMHBI9N/adobestock_120568136.jpg Vintage Wealth Management Limited - How to Identify When Your Loved Ones Need Care - How to Identify When Your Loved Ones Need Care A key part of intergenerational wealth planning is making provisions for the cost of care. While many people believe that their social care needs will be funded by the NHS, the reality is very different. The majority of older people who end up needing care will need to fund at least some, if not all, of it themselves and the costs add up quickly.While this piece is directed towards those looking to manage the care needs of parents, it is also a blueprint that any individual/s can use to understand how best to make a care plan for loved ones. https://www.vintagewealth.co.uk/blog/should-you-apply-for-protection-against-the-lifetime-allowance monthly 0.5 2025-06-24 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539771228-B7Y9ABC3053P4E19EAAV/AdobeStock_350140891.jpeg Vintage Wealth Management Limited - Should You Apply for Protection Against the Lifetime Allowance? - Should You Apply for Protection Against the Lifetime Allowance? While more than 325,000 people have registered for protection against the lifetime allowance since its inception in 2006, more recently numbers have dropped significantly leaving some savers potentially exposed to unnecessary tax bills.Just 4000 new applicants registered for lifetime allowance protection in the most recent year. It’s worth noting that we could reasonably have expected a drop in numbers due to the last lifetime allowance reduction taking place back in 2016.This means that most eligible parties will have applied already and the number of people eligible will naturally reduce over time. However, this issue is still extremely important due to a number of external influencing factors. https://www.vintagewealth.co.uk/blog/equityreleaseuk monthly 0.5 2025-06-24 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539769323-H1CFC28OCHOWTZZEA0NE/adobestock_329652574.jpg Vintage Wealth Management Limited - Uncovering Opportunities with Equity Release - Uncovering Opportunities with Equity Release Equity release can be an effective way to boost your retirement income with more and more homeowners choosing to take this route. Research from Canada Life surveyed more than 1000 UK homeowners in their 40s and identified an interesting new trend. The study showed that more people are considering releasing equity at an earlier stage – an average of 66 years old or two years before their predicted pension age.This is a demographic that will feel the effects of increasing the state pension age to 68 (between 2044 and 2046) and are readjusting their financial retirement plans accordingly. With an extra two years to financially account for and the additional financial pressure of longer retirements and life expectancies, equity release can be a welcome addition to holistic retirement planning. This activity also reflects the fact that, in recent years, equity release has gradually become a more mainstream retirement planning product. https://www.vintagewealth.co.uk/blog/whats-the-deal-with-cryptocurrency monthly 0.5 2025-06-24 https://images.squarespace-cdn.com/content/v1/666c39713cc15a19cba45193/1725539768685-6NZTI0ITA6CQIU7VFX0A/AdobeStock_176244558.jpeg Vintage Wealth Management Limited - What’s the Deal with Cryptocurrency? - What’s the Deal with Cryptocurrency? While it has garnered a fair amount of negative press, the jury is still out on cryptocurrency. On the positive side of the coin, crypto broke new ground earlier this year when luxury broker Sotheby’s announced that it would accept cryptocurrencies Ether or Bitcoin as payment for a rare diamond, described as “the second largest pear-shaped diamond ever to come to market.”.As the first time that such a valuable stone has been available to purchase using cryptocurrency, it is what Yu Wenhao of Sotheby’s Jewellery in Asia describes as a “truly symbolic moment [where] the most ancient and emblematic denominator of value can now, for the first time, be purchased using humanity's newest universal currency.” https://www.vintagewealth.co.uk/blog/category/News+%26amp%3B+Articles monthly 0.5 https://www.vintagewealth.co.uk/blog/tag/health+insurance monthly 0.5 https://www.vintagewealth.co.uk/blog/tag/charity+financial+planning monthly 0.5 https://www.vintagewealth.co.uk/blog/tag/later+retirement monthly 0.5 https://www.vintagewealth.co.uk/blog/tag/charity+cash+management monthly 0.5 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