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Are you starting to think about how your assets and wealth can be passed effectively to future generations?  Family Investment Companies (FICs) and Trusts are two options that facilitate the accumulation and transfer of wealth, in a tax efficient manner.  FICs have become popular due to the tax benefits they provide which can create significant…

We are teaming up with the private client & entrepreneurial business team at MHA MacIntyre Hudson, to bring you a monthly webinar series. Each month, we will focus on a key topic, and conclude with an open clinic to discuss specific questions or concerns you have.   In this first webinar of the new series,…

VCT’s (Venture Capital Trusts) are investment companies that are listed on the London Stock Exchange and set up to invest in small unquoted, entrepreneurial businesses in the UK to help them grow. There can be a higher risk to invest in small companies, so to encourage support for these businesses the Government offers generous tax…

An Individual Savings Account (ISA) will become a ‘continuing ISA’ upon the death of an investor. This means that despite not being able to make further contributions, the tax advantages of an ISA will remain in place until: The administration of the estate is completed, The ISA is closed by the executor(s) of the estate,…

Following weeks of speculation, the Autumn Budget has now taken place. As expected, Chancellor Rishi Sunak presided over a stronger economy, focusing on growth, employment and reducing national debt.  Acknowledging that we are not out of the woods yet, Sunak announced plans for growth after a challenging 18-months, both economically and socially. With inflation now…

Have you ever stopped to think about what might happen to your business if you lost one of your key members of staff? You might already have insured your premises, equipment, and stock, but what about the people who play the biggest part in your organisation’s success?  For example, if your best salesperson became critically…

The internet has spawned many ‘things’ since its invention – for better or for worse. While cryptocurrencies have garnered a lot of attention in the past few years, “crypto” as it is often referred, was actually first conceived back in 2009.  You have probably heard of Bitcoin. If someone had invested $1000 in Bitcoin back…

Please click the link below to view the latest edition of Cave’s Quarterly, where we take a look at global equity, commercial property, and offer an outlook for what could be a challenging fourth quarter for investors. Click here to view Cave’s Quarterly Q3 Round-up

There comes a time in our lives when we turn our thoughts to what we want to leave behind for our loved ones. The Kings Court Trust estimates that more than £5 trillion will be passed down over the next 20-30 years. Unfortunately, HMRC can become the largest benefactor. In 2019/20, HMRC collected over £5.2…

If we cast our minds back to March / April 2020, we recall how basic goods like toilet roll and pasta suddenly became scarce commodities, with a mix of panic buying and supply chain issues resulting in some shelves being left empty for several weeks. As the pandemic developed and the virus cut through much…