Clear Financial Advice

24/05/2026

If only the allowances had kept pace with inflation!

16/04/2026

With the Finance Bill submitted and approved, Inheritance Tax will be applied and assessed with effect from April 2027 to include your pension funds.

If you would like to see what your potential Inheritance Tax (IHT) liability might be, please use our free IHT calculator by clicking on the link below.



https://clear-financial-advice.iht.ningi-labs.co.uk/

07/04/2026

Data from the latest Freedom of Information (FoI) request to the Ministry of Justice shows that the number of probate cases taking between 21 and 23 months to be granted has risen by 131% since 2020/21.

With probate delays potentially leaving families waiting months or even years to access estates, the situation is likely to worsen further when pensions are brought into the scope of inheritance tax (IHT) from April 2027.

Given how stretched the probate system already is, anything people can do now to reduce complexity will help their executors navigate the process more quickly, avoid unnecessary costs and reduce stress at an already difficult time.

One of the most effective ways to reduce the burden on executors is to treat the start of the new tax year as a time to do a financial MOT. That might include consolidating old pensions or ISAs, keeping a clear record of accounts and providers, ensuring beneficiary nominations are up to date, and putting powers of attorney in place.

Don't forget to make full use of our Financial Passport which can be found here

Financial Passport Given the largely paperless nature of modern life, the likelihood of having a box file containing details of who your insurers are, who y ...

04/03/2026

It's that time of year again and a big thank you goes out to all those people that took a few minutes out of their busy day to leave a review.

If any of you are interested to see what people think about me, Paul Davis click on the link below.

https://www.vouchedfor.co.uk/financial-advisor-ifa/billericay/0990-paul-davis

13/02/2026

What's happening to the UK economy and how does it affect you?

The rate of economic growth affects things like pay increases and the amount of tax raised.

03/02/2026

We're hiring!

IFA Administrator

(No recruitment companies please)

Pay: £25,000.00-£30,000.00 per year

We are looking for an experienced IFA Administrator to join the existing administration team of a dynamic and successful financial advisory practice at our office in Billericay, Essex.

The role includes providing support to 2 Financial Advisers.

The successful applicant must be organised, have excellent attention to detail and be passionate about helping to deliver an exceptional client experience.

Applicants must have a minimum of 2 years’ administration/client service experience within the financial adviser sector.

You must be a great team player with excellent IT skills, ideally with good product knowledge and experience using the Intelligent Office back-office and Dynamic Planner software.

This role is full time (preferably) and will be office-based.

As an IFA Administrator, you’ll be responsible for:

Liaising with clients on day-to-day queries

Producing illustrations

Processing new business & annual reviews

Contacting providers

Operating the back-office system

We’re looking to speak with individuals who have:

2+ years of working in a Financial Advisory practice, as an Administrator or similar capacity

Excellent client service skills

Knowledge of FCA compliance regulations

Experience in using Intelliflo Office and Dynamic Planner software.

We offer a friendly, and supportive team culture. The opportunity to help shape strategies and processes.

18/11/2025

Good news from December for those with savings in the bank, protection is increased from £85,000 to £120,000.

Customers will see a significant increase in the amount of money protected if their bank collapses.

29/07/2025

Welcome to the first edition of Connect, the new weekly newsletter from Quilter. This week they bring you their 2025 mid-year global outlook.

The first half of 2025 has been marked by significant volatility along with persistent inflation and escalating geopolitical tensions. Despite these challenges, there are still opportunities for investors. As we reach the mid-year point, their Investment Strategist, Lindsay James, provides an in-depth analysis of recent market developments and offers her outlook for the remainder of the year.

The first half of the year has been marked by significant volatility, primarily driven by Trump’s tariff agenda and its implications for the global economy.

10/07/2025

How to work out and pay inheritance tax: A 12-step guide.

The daunting task of working out and paying inheritance tax must be done in the immediate and intense period of grief after a death.

Although the vast majority of estates aren't liable for inheritance tax, the number of families grappling with it is bound to rise in coming years due to frozen thresholds, high property prices and pending pension changes.

In this guide, the MailOnline's Tanya Jefferies shares the steps to sorting out inheritance tax after a bereavement. This process also involves choosing which of the many inheritance tax forms to fill in.

You should seek professional help if you struggle to fill them in, or the estate is complex.

The daunting task of working out and paying inheritance tax must be done in the immediate and intense period of grief after a death. Read our guide on what to do...

07/05/2025

Rathbones Group Plc Review of the week: End of an era

Arguably the best investor of all time has decided to retire at the end of the year. Meanwhile, UK interest rates are forecast to fall in a bid to prop up the economy.

https://www.rathbonesam.com/knowledge-and-insight/review-week-end-era