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FINANCIAL ADVISER BLOG

How Divorce Could Affect Your Retirement Income

“Breaking up is never easy” but sometimes it's the best you can do. The Abba hit “Knowing Me, Knowing You” was released in 1976. A lot has changed since then, but breaking up still remains a painful and potentially expensive matter. The Basics of Divorce There are three steps to getting a divorce. Step one is to file a divorce petition. This currently carries a fee of £410. If your spouse accepts the divorce petition, you can then apply for a decree nisi. This is essentially a statement which confirms that it is legally acceptable to end the marriage. If your spouse refuses to accept the petition and you wish to proceed with the divorce, you will need to attend a court hearing. You may

2015 Extra Budget Review

The first Conservative budget since 1996 was eagerly awaited by some and dreaded by others. Freed from the restraining hands of the Lib Dems, George Osborne was free to produce the budget he wanted. In the Chancellor’s sights were benefits, tax credits and student grants, while he also indicated a slightly less draconian approach to austerity. Good news on the economy From the outset, Osborne was keen to promote the government’s economic credentials. Britain was growing faster than any other developed economy at 3% in 2014. Over the next few years, growth would be 2.4% in 2015, 2.3% in 2016 and 2.4% in 2017. Employment is on the up and 1 million extra jobs are predicted to come into the econ

Questions the Budget Needs to Answer

George Osborne was last seen holding the famous red briefcase in March. On that occasion he was delivering a coalition budget. The new “emergency budget” is a fully-fledged Conservative budget. Some people may be tempted to ask “Why do we need a new budget so quickly?” That aside, there are actually a number of questions this budget has to answer. What happens if spending cuts don't work? The Conservatives plan to combine spending cuts with a push for growth. Their ultimate aim is to move the UK out of the economic red and into the black. Some people have, however, questioned whether the Conservatives'plan to cut spending will actually have a beneficial impact. Some worry that they will c

Will the Next Budget be Radical?

On 8th July 2015, George Osborne will deliver the first completely Conservative budget since Kenneth Clarke in 1996. Given that George Osborne delivered his last budget on 18th March 2015, you could well we asking yourself “Why do we need another budget now?” The answer is essentially that the last budget was a combined Tory/Lib Dem budget. This time around the Tories are working to their own agenda. The more cynical may also note that the Labour party lost its former shadow chancellor, Ed Balls, in the last election. This may make it more difficult for them to respond effectively to the Tory proposals. The speed with which this budget is being announced has led to it being termed an “eme

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