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Divorce or dissolution can be a painful process, but new rules should ease some of the tax complications couples face when splitting assets. The changes relate to capital gains tax (CGT). Under UK tax rules, assets can be transferred between married couples and civil partners without triggering a CGT charge. But difficulties can arise once…

New data from HMRC show that in 2022/23 inheritance tax (IHT) payments hit a new high.  The IHT nil rate band was set at £325,000 in April 2009 and has been frozen ever since. This year’s Budget extended that freeze to April 2028. For the first year of the nil rate band in 2009/10, IHT…

Welcome to the latest edition of Caves Quarterly, where we take a look back over the last few months and look ahead to the future. To read, please click the link below: MHA Caves Wealth Quarterly Newsletter – Q2 2023

Structured products are designed to provide a return in excess of what is available from traditional bank accounts, whilst also offering a degree of protection on the underlying capital.   Whilst not an exhaustive list, these products can often be used in the following scenarios.   For Individuals:   Where surplus cash is currently held…

This week saw the release of the much-anticipated inflation figure for May in the US and the Federal Reserve’s (Fed) latest decision on interest rates. On Tuesday, we got confirmation that inflation continues to trend lower in the States, with inflation in the year to May at 4%, having been 4.9% in April. This was…

It was a generally positive week for equity markets. Investment sentiment was dominated by the possible implications of inflation proving stickier than expected across the globe. With hopes that interest rates were close to peaking in most developed markets, there was surprise this week when both the Bank of Canada and Reserve Bank of Australia…

With sentiment dominated by events across the pond in Washington D.C., it was a mixed week for investment markets. On Wednesday night, there was a sense of relief as, with a vote of 314-117, the US House approved the debt ceiling and budget cuts package. The agreement now heads to the Senate with sign-off expected…

In this webinar, we look at effective wealth transfer and the associated inheritance tax planning opportunities to be aware of. For all of us, there will come a time when we start thinking about the future and how our assets and wealth can be passed effectively to future generations. An effective wealth transfer plan can…

With MHA Caves Wealth being an Associate Firm, this publicly aligns our firm with the Personal Finance Society (PFS), the largest professional body for the financial planning sector. Associate Firms voluntarily demonstrate the adoption of the professional standards set by the Personal Finance Society enabling us to stand tall behind a culture that places clients…