John McNulty Independent Financial Adviser

John McNulty Independent Financial Adviser I aim to share with you content that can help you achieve your financial objectives.

Here we run through the pros and cons of ‘sacrificing’ your bonus and putting the money instead into your pension. Signi...
13/12/2024

Here we run through the pros and cons of ‘sacrificing’ your bonus and putting the money instead into your pension. Significant tax savings to be made if you can afford to do this.

If you receive an annual bonus you might baulk at the amount of tax you pay on it. Often there’s emergency tax to pay and even when that’s been sorted out, you might still be down 40 or 45 percent. For higher rate taxpayers, a £10,000 bonus will be reduced to £5,800 by income tax and national ...

An in depth look at how the new governments first budget has created both challenges and opportunities for clients. Don’...
13/12/2024

An in depth look at how the new governments first budget has created both challenges and opportunities for clients. Don’t hesitate to get in touch even if it’s just for a chat about your own circumstances.

The first Labour Budget for 14-years was preceded by a flurry of conjecture, rumour, and good old fashioned crystal ball gazing. In the end, what was delivered by Rachel Reeves could certainly have been ‘worse’ when compared to pre-Budget speculation, but it was no means short on immediate and l...

Really useful article
20/09/2024

Really useful article

An Executor is responsible for sorting out the assets of a deceased – often a loved one or family member. This can sometimes take a long time, especially if their wishes are unclear. This article has been written to shed light on the tasks of an Executor when wrapping up an estate. For those think...

Here’s some thoughts from Wren Sterling’s Head of Research on the upcoming budget and what the new government may or may...
20/09/2024

Here’s some thoughts from Wren Sterling’s Head of Research on the upcoming budget and what the new government may or may not do. Long read but is very insightful

As we count down the days to the first Labour Budget in nearly 25 years, it is reasonable to say that there is an elevated amount of speculation as to what Rachel Reeves will do to address the stated “£22-billion black hole” in the public finances for this year. This is on top of the growing pr...

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