Welcome to our latest edition. We aim to help you create the lifestyle you want and believe that anything is possible if you manage your finances in the right way.

Inside this issue, we look at why it’s important to consider the tax implications of making financial decisions. The 2018/19 tax year is now upon us, and a raft of new changes have come into force. The good news is that there is little change in the overall tax burden for basic-rate taxpayers. However, there are number of areas that have changed that should be taken note of. On page 08, we look at what you need to know about the 2018/19 tax year changes
and new initiatives.

By the time we have been working for a decade or two, it is not uncommon to have accumulated multiple pension plans. There’s no wrong time to start thinking about pension consolidation, but you might find yourself thinking about it if you’re starting a new job or nearing retirement.

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