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Jan/Feb Editions 2020

This latest issue of TISCOMoney features articles covering a number of different topics to help you successfully grow and protect your wealth.

You’ve worked hard for your retirement, but before you can start enjoying it, you’ll need to decide how your pension will provide the income you need to live on.

Taking control of your financial life requires planning, and that starts with setting financial goals. Setting short-term, mid-term and long-term financial goals is an important step towards becoming financially secure and independent.

Effective estate plannings aims to ensure that the wealth you have accumulated during your lifetime is distributed to the right people, at the right time and as tax-efficiently as possible.

Nov/Dec Editions 2019

This latest issue of TISCOMoney covers such topics as the latest ruling on woman’s state pension age changes, how much you will need to save for a comfortable retirement, ISAs, and cultivating the art of patience by focusing on long term investment objectives.

When it comes to planning for retirement, the earlier you start, the more potential your money has to grow. This guide looks at whether you are ready for life beyond work.


Have you ever considered what would happen to you or your loved ones if you couldn’t work due to a long term illness or injury which results in a loss of earnings?  It’s important to keep your finances healthy as you recover.  Read about income protection in this guide.

Whether you’d like a structured or flexible approach to saving or investing for a child or grandchild’s future, this guide covers a number of different options you may wish to consider.

Sept/Oct Editions 2019

Inside this latest issue of TISCOMoney, amongst other things, we look at how setting clear financial goals can help make it easier to achieve financial security and allow you to enjoy life to the full.

What would life be like if you were diagnosed with a serious illness?  Things could change very suddenly.  Critical Illness Cover can help minimise the financial impact on you and your family if you become critically ill.

This guide on Estate and Trust planning is designed to give you a basic understanding of Estate and Trust Planning and the issues you may face.

There are many decisions to consider when making any investment.  One of these is how much risk you are prepared to take.  This guide looks at types of risk and how it can relate to returns.

July/August Editions 2019

Inside this issue, you’ll find an array of articles about how we can help you further to plan, grow, protect and preserve your wealth.  As we all know, the ultimate goal money can buy is financial freedom.

One of the most effective ways to manage investment risk is to spread your money across a range of assets – otherwise known as diversification – thereby reducing the risk of your portfolio by choosing a mix of investments.

In this guide we consider the questions you may need to ask to shape your future.  As we all know and experience, there are usually bumps in the road on every journey.

It’s not easy to think about how you would secure your family’s future if you were no longer around but it’s important to protect the things that really matter in case the unexpected happens.

May/June Editions 2019

Uncertainties surrounding Brexit have now been extended to a new deadline set for 31 October.  So all we can do is expect the best, prepare for the worst and capitilise on what comes. This May/June edition helps prepare for the worst by looking at Inheritance Tax.

In this guide we set out the main tax changes that apply to the 2019/20 tax year, which commenced on 6th April 2019.

This guide looks at preserving and protecting the wealth you have amassed through hard work, inheritance or good fortune.

If you are aiming to retire within the next five years, it’s time to get into the mindset of considering the practicalities of fulfilling your desired lifestyle and making plans.

March/April Editions 2019

In this March/April issue of TISCOMoney, with the uncertainties surrounding Brexit, we look to de-mystify the ever changing landscape of the financial world.

ISAs are an incredibly effective means of shielding your money from both Capital Gains Tax and Income Tax.  Using your tax-free allowances every year should be a standard part of your financial planning.

Creating and maintaining the right investment strategy plays a vital role in securing your financial future, whether you are looking to invest for income, growth or a combination of the two.

This guide provides a summary and tips for some of the key tax and financial planning areas which may be appropriate to certain taxpayers and should be considered prior to the end of the tax year on 5 April 2019.

January/February Editions 2019

This January’s issue of TISCOMoney provides suggestions on making your New Year’s tax savings resolutions. .

Nowadays living for another 30 years after work isn’t just a possibility, it’s a probability.  This guide covers how to plan early for your retirement.

Creating and maintaining the right investment strategy plays a vital role in securing your financial future.  How much control do you want over your investments.  Read this guide to see what you should consider and suggested solutions.

Have you ever considered what it would mean to lose the ability to manage your own affairs.  A Lasting Power of Attorney is a legal document that allows you to appoint one or more people to make decisions on your behalf during your lifetime.

November/December Editions 2018

This November’s issue of TISCOMoney provides you with our customary collection of articles designed to help you create and protect your wealth to be able to experience life to the full.

If your business partner or a shareholder died or became critically ill, have you ever thought what the impact could be?  The loss of a business partner or a shareholder can have a major impact on the success of any business.

Have you thought about the cost of care in later life? One of the biggest challenges of the 21st century is Britain’s ageing population.  There is continually much talk about later life care in the media, and it’s a subject that is going to be one of the biggest social challenges in the coming years.

Investing can be intimidating, a complex world with it’s own language.  But by recognising and meeting your distinct requirements, we can have a positive impact on your life and investment objectives and help you through the entire process.

September/October Editions 2018

September’s issue of TISCOMoney has a heavy focus on pensions looking at the implications of when you retire and also the various options available. An article covering the key aspects that influence retirement decisions could also prove to be a useful read.

It is essential that you start to plan for your retirement as early as possible so that you are able to live comfortably in the knowledge that your lifestyle needs are covered. This will mean careful consideration of your pension fund throughout your working life.

Understanding investment risk and determining what level of risk you feel comfortable with before you invest is an important part of the investment decision process. Your potential returns available from different kinds of investment, and the risks involved, change over time as a result of economic, political and regulatory developments, as well as a host of other factors.

Welcome to our Guide to Protection Planning. With this guide we look at the number of key areas that will empower you to put in place an effective protection planning strategy to preserve and protect your wealth for you and future generations

July/August Editions 2018

This edition brings you an array of insightful articles covering everything you need to help plan your finances, both before, during and after retirement.

A guide to creating and maintaining the right investment strategy to secure your financial future.

Transferring your ISA to another provider is easy and could boost the funds in your tax efficient account – but it has to be done right.

Fraudsters are getting more deceitful and ever more successful. Pension and investment scams are on the increase in the UK. Read our guide on how to protect yourself.

May/June Editions 2018

Welcome to the third edition of TISCOMoney for 2018.This edition looks at protecting your estate for future generations and why it is important to consider the tax implications of making financial decisions. Also included in this edition is a summary of the 2018/19 tax year changes and what you should know.

This guide to retirement planning looks at ways to help you create the opportunity to enjoy your life after work. Included are articles on pension freedoms, pensions tax relief, pension consolidation and deciding what to do with your savings in retirement.

Our guide to inheritance tax looks at safeguarding more of what is rightfully yours for future generations. In order for your loved ones to benefit fully from your assets, it is important to consider the impact of inheritance tax.

We have now entered the 2018/19 tax year and a number of key changes has taken place including the introduction of new initiatives. It is important to consider these tax implications when making financial decisions and this guide should help.

March/April Editions 2018

Welcome to the March/April edition of TISCOMoney. This edition focuses on some of the current global uncertainties and visits some areas you may wish to discuss.

Whatever your goals are along life’s journey, we’ll help you keep them within sight. You may want to protect your wealth, grow it, or spend it in your lifetime. We’ll explore every aspect of your financial world, taking everything into account to create a financial plan that works for you.

Income Protection is designed to provide an income if you cannot earn for a number of specified reasons. It provides a financial resilience to individuals and households and gives peace of mind that you are covered if you were to ever need it.

It’s important not to let global uncertainties affect your financial planning for the years ahead. Individuals who stop their investment planning, particularly during market downturns, can often miss out on opportunities to invest at lower prices.

January/February Editions

Welcome to the first edition of TISCOmoney for 2018. Inside this edition you will find articles on growing your money with solid financial resolutions, reaching your financial goals and getting your affairs in order and planning what to pass to your loved ones.

Don’t miss the chance to make the most of valuable tax-efficiencies and allowances by using this guide to year end tax planning. With the 2017/18 tax year ending on the 5th of April make sure you are making the most of your investments.

A pension could be a couples biggest asset. It is therefore important that pensions are considered in the financial settlement if a couple decides to divorce or dissolve their registered civil partnership.

You pay tax throughout your life and can pay large amounts of tax on assets you leave to your loved-ones. This guide to estate preservation explores passing your wealth in the most tax-efficient way.

November/December Editions

This is the last TISCOMoney for 2017. Inside this issue you will find articles on estate planning and inheritance tax along with articles focusing on ‘turbocharging’ your pension.

this guide to Self-Invested Personal Pensions looks at how the retirement landscape has changed over the years for the better, giving people more control and choice over their pension.

If you are thinking about investing, Individual Savings Accounts (ISAs) could be a good place to start. This guide provides a useful insight into the world of ISAs.

Whether you are a relative, parent or grandparent or a friend, investing for a child’s future is one of the most important things you can do.

September/October Editions

This latest issue of TISCOMoney looks at a number of topics including the new state pension age and how it could affect retirement plans.

Ensuring you have adequate financial protection for you and your family is an important element to financial planning.

Family succession planning is one of the most challenging experiences facing any business leader. This guide explains the importance of this exercise.

This guide to income investing considers the main investment asset classes that are used to generate a regular income.

July/August Editions

This latest version of TISCOMoney explores why the currency exchange markets are in uncertain territory. The publication has articles on planning for retirement, funding future care costs and the recent election.

Creating and maintaining the right investment strategy plays a vital role in securing your financial future. This guide to investing explains how we can help you create a personal
investment strategy, built upon an understanding of your individual circumstances and financial ambitions.

Rising life expectancy brings with it the challenge of how we fund our future care costs. The
question is: who is responsible for looking after us if we need care in old age? This guide explores this issues surrounding long-term care.

This guide to investing and inflation looks at safe guarding the purchasing power of your money over the long term. Rising inflation is a concern to investors, as changes in
inflation and interest rates affect various asset types in different ways.

May/June Editions 2017

The news has recently been full of stories about Brexit, Article 50, inflation and how some key announcements from Spring Budget 2017 could impact on our finances.

The start of the new tax year on 6 April 2017 saw the launch of the Lifetime ISA (LISA), which was announced in the 2016 Budget. This guide will explain the LISA in more detail.

Welcome to our Guide to Retirement Planning. The pension freedoms rule changes mean that you can increasingly be in charge of your pension. Read this guide for more information on how your pension can work for you.

Brexit has created an air of uncertainty, and no one really knows what’s coming next or what it could all mean in the long term.

March/April Editions 2017

This issue features articles written to help you make the most of your hard earned money and achieve your long-term financial security.

This guide to inheritance tax explores the new rules and looks into the ways you can safeguard your wealth for future generations.

Individual Savings Accounts are a tax efficient investment wrapper in which you can hold a range of investments. This guide to ISAs explores the various options and how they can help.

If you want to have control over what happens to your assets after your death, effective estate planning is essential. This guide helps to navigate your options for passing on wealth.

January/February Editions

This first issue for 2017 includes a section on the dramatic US election, 2016/17 year end tax planning and looks at taking advantages of opportunities in 2017.

This article takes a look at some of the key tax planning opportunities for the 2016/17 financial year end.

‘Navigating the financial aspects of your unique life’s journey’. This publication takes a look at some of the hot financial topics you should consider at the start of the New Year.

After a game changing 2016, the investment environment was not only mixed but categorised by a number of global and political events. Many of these drivers will almost certainly remain the focus for 2017.

November/December Editions

This final issue of TISCOmoney for 2016 contains information on how professional financial advice can prove invaluable, information on generational investing and the performance of global emerging markets.

This is a short guide explaining the benefits of taking professional financial advice when looking into your investments. This takes into consideration your attitude to risk and the time management when reviewing the markets and your portfolios.

Anything is possible when you manage your money the right way. Whatever your goals in life are, careful planning and successful investing of your wealth can help you get there. Investments can offer both risk and return, and generally the bigger the risk the greater the potential return.

Planning for the future often means finding a balance between savings and investments. Whatever your reason for regularly saving or investing, you want to be sure you are making the most of the options available.

September/October Editions

In this latest issue of TISCOmoney you will find articles covering the ever changing pension reforms and the potential effects of the reduced lifetime allowance. There are several articles covering aspects of investing and how to be a more savvy investor.

The publication is a guide to protecting your financial plan and safeguarding the people and things that matter the most.

The government has introduced comprehensive reforms to the pension rules over the previous years. One important change is the reduction in the lifetime allowance that applied to pension savings.

Guide to active and passive investment management.What could provide a better home for your money – active or passive management?

July/August Editions

Are you fit to retire? Getting your pension in shape to enjoy the kind of lifestyle you want later in life. This edition will help you consider ways you can access your income and pensions in retirement looking at pensions consolidation and the new pensions flexibilities available.

In this guide to investment planning we consider the process of organising investments as a whole and explore the key principles and techniques behind effective portfolio construction, so that you have the best chance of constructing a portfolio that meets your investment objectives.

Protecting your estate is ultimately about securing more of your wealth for your loved ones and planning for what will happen after your death to make the lives of your loved ones much easier.

Deciding what to do with your pension savings is an important step we will all have to take. Following changes introduced in April 2015, you now have more choice and flexibility than ever before over how and when you can take money from your pension pot. These changes give you freedom over how you can use your pension pot(s) if you are 55 or over and have a pension based on how much has been paid into your pot (a defined contribution scheme).

May/June Editions

May-June Newsletter provides you with an article on Brexit and how this may affect your finances, information on the new state pension and other ways you can save your money, including the new Lifetime ISA’s.

The Budget 2016. Summarising the key announcements and how they may affect you now and in the years to come.

Retirement Planning. Helping you understand how you can shape your retirement plans to meet your individual needs and circumstances.

Lifetime Individual Savings Accounts. Your guide on how the new Lifetime ISA works and how it may be of benefit to you.

March/April Editions

March-April Newsletter provides you with up to date information on the financial world and any up and coming changes that may affect the way you handle your finances.

Wealth Preservation. Whether it’s the new rules on pensions, savings or taxable dividend income, we have set out what you need to consider in the run-up to the financial year end in this brochure.

Pension Changes. The new freedoms mean you can enjoy far greater choice on how you spend and generate an income from your pensions, but with further changes on the horizon these are some of the key changes you need to know.

Inheritance Tax Planning. Effective estate planning is about getting the right balance between maintaining access to your money when you need it and saving tax.

January/February Editions

January-February Newsletter provides you with up to date information on the financial world and any up and coming changes that may affect the way you handle your finances.

Autumn Statement 2015 contains a summary of the proposals as set in the autumn statement. Download this publication to keep yourself abreast of current financial affairs allowing you to better plan for your future.

The guide to investing provides you with an understanding of planning fro your future as well as current views on the markets and the types of investments available.

Tax planning contains strategies you can put into practice to help you learn where you could potentially be saving on tax payments.