In the last of our series of how the changes to financial regulations can affect you, we look Individual Savings Accounts (ISAs).     In this current tax year, the total amount you can save into ISAs is £20,000. This is known as the ISA Allowance. ISAs are also sometimes known as tax “wrappers”, because … Continue reading “Get the most out of your ISA Allowances”

In 2022 insurance companies reported that Annuity rates had hit their highest level for 14 years.  Could now be a good time to consider them?  We take a look here. Since pension freedoms came into force in 2015 many individual reaching retirement have opted not to buy an Annuity but to look at Income Drawdown … Continue reading “Annuities v Drawdown”

As you know, RobMac always like to support young people with their ambitions, whether that is through sponsorship or work experience. This summer, we have been joined by Charlie Bishop to give him a snapshot of what it is like working in the financial services sector. Here’s a bit more about Charlie.     My … Continue reading “Charlie Bishop joins for work experience”

In our series of recent series of articles about recent changes to financial legislation, Jeff Lewis looks at 8 key points to do with inheritance tax  (IHT). Here’s the basic definition for IHT in the UK. Inheritance Tax is a tax on the estate (the property, money and possessions) of someone who’s died. There’s normally … Continue reading “8 point guidance to inheritance tax”

In the second of our series of what impact do the changes on financial legislation have on you, we look at Capital Gains Tax.       As part of the government’s budget in October 2022, the Capital Gains Tax (CGT) has been reduced by 50%. CGT is applicable to the profits you make from … Continue reading “Capital Gains Tax changes”

As you are doubtless aware, there has been a lot of changes to the legislation to do with financial planning in the last 12 months. Some of it is straightforward and easy to understand, while some are more subtle and requires more interpretation.     What is certain however that all these combined changes means … Continue reading “What impact does the changes in financial legislation have on you?”

Jeff Lewis, director at RobMac, sums up his thoughts on investment markets and looks towards a brighter future.   Jeff Lewis, director at RobMac   It’s been a difficult period of time for investment markets but perhaps we are now on a steady recovery course with returns for investors having improved quite considerably over the … Continue reading “A little light at the end of the investment tunnel”

We’ve just had an update from Thea O’Sullivan who RobMac are sponsoring as part of her Project Trust work as a teacher in Ghana. Here’s what Thea had to say.     “Since the last update, a lot has changed at school. The government has done a reshuffle of teachers placements , causing us to … Continue reading “An update from Ghana”

We have now completed the spin out of our mortgage management arm. This is now a separate company that is run by Alison Mitchell, who many of you will already know.   We will continue to work closely with Alison and recommend that you contact her if you need mortgage advice. It has been great … Continue reading “Mortgage Management now a separate business”

We loved this article on the future of forecasting because, despite the technology developments in big data and AI, it is still subject to human decisions. To borrow from the French “The more things change, the more they remain the same”. There is no question that technology will have a role to play but it … Continue reading “The future of forecasting…looks much the same”