Retirement Planning

Help To Buy ISAs coming to a close in November

Help To Buy ISAs coming to a close in November

Since the 2008 recession, the Government has looked at several ways to assist first time buyers onto the housing ladder. One of which, was the Help to Buy ISA, (H2BISA), launched in December 2015.  However, they are about to be closed to new applicants from November 30th.

Developing Your Financial Wellbeing

Developing Your Financial Wellbeing

Understanding what financial wellbeing really means is a crucial part of why we do what we do here at Manse. Only when we really understand what you want to achieve in life can we then formulate a tailored financial plan to get you there.

What We're Reading: The Simple Path To Wealth

What We're Reading: The Simple Path To Wealth

Our recently recommended book ‘The Simple Path to Wealth’ is a great educational tool for people of all ages and all investment experience, which provides guidance on attaining financial independence in the future.

Why You Live to 100 in Our Financial Planning Models

Why You Live to 100 in Our Financial Planning Models

It is important to plan for the long run, and that is exactly what we do with our financial plan for each of our clients. We ensure that you are prepared financially at any stage, or age, of your life.

Your Family Not The Taxman

Your Family Not The Taxman

Our latest blog series explores the complexities of Estate Planning in order to provide you with a concise overview of the fundamentals. Following our previous blog ‘Your Money not the Taxman’, we break the subject down further.

MaD for a bit of lung-busting?

MaD for a bit of lung-busting?

Manse Capital are sponsoring the ‘Falls and Castles Trail Race’ on Sunday 23rd September. Join us for a great day out and enjoy the beauty that the North Yorkshire Moors has to offer!

Financial Planning in your Forties

Financial Planning in your Forties

The forties is a crucial decade to take a step back and make sure your finances are on track to meet your goals. Have you planned for the future?

Your Money not the Taxman

Your Money not the Taxman

There’s a lot written about inheritance tax (IHT) planning and much of it is useful and reasonable. There are clever schemes that involve gifting money, investing in particular share classes that qualify for certain reliefs, complicated products from life companies, and a plethora of different trust arrangements available directly from Solicitors. However, although these schemes work, before you engage in them you should firstly consider more simple solutions, some of which I have set out below.

Case Study: Meet Tony and Patricia

Case Study: Meet Tony and Patricia

“We are exhausted, fed up and would retire tomorrow if we thought we could afford to“.

This was pretty much the first sentence in a conversation I had some years ago with new clients who ran a business which demanded all of their time, with very little respite. Both in their early 60s and having worked every day for the previous 30 years, they were both pretty much at the end of their tethers.

Why Financial Goals Alone Are Meaningless

Why Financial Goals Alone Are Meaningless

Throughout life we grow up hearing about the importance of setting goals. Right from being children we are encouraged to select study options for future career ambitions, which we may grow to not desire. Goals are evidenced in all the choices we make, whether it be supporting our children to establish themselves, choosing the right house type and location to call home, picking a vehicle to drive, positioning a business for sale and even to planning for retirement. The list goes on!