What happens to your ISA when you die?

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,…

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Growth Up, Jobs Up, Debt Down – The Autumn Budget

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…

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Is your business properly protected?

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…

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Cryptocurrency – the basics

An image of Bitcoin.

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…

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Cave’s Quarterly – Q3 2021 Round-Up

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

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The intergenerational wealth transfer – how to plan for it

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…

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The Supply Chain Problem

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…

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We are committed to the Financial Vulnerability Taskforce Charter

Although we do our best to avoid it, any of us can find ourselves being in a vulnerable position at some point in our lives. At MHA Caves Wealth, we understand the responsibility we have to understand the wider issues of vulnerability, and are committed to adopting our best practices to better support vulnerable people…

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Budget 2021 – What it means for your investments and pensions

Businesses and individuals alike watched with bated breath to hear what Chancellor Rishi Sunak would announce to a) assist with the UK’s recovery and b) to reign in the ever-increasing debt as a result of the Government’s response to Covid-19 pandemic. Whilst I will not comment on the appropriateness of the announcements made in the…

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What do you do with shares when somebody dies?

Losing a loved one is an incredibly difficult time. When mourning somebody close to you, it can be difficult to begin considering the complex process of administering a deceased’s estate, yet the task of doing so is vitally important. Cave & Sons can support you in this difficult time by helping you to navigate through…

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