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The Budget 2018

Breaking with recent tradition on a number of fronts, yesterday afternoon saw Spreadsheet Phil's third Budget as Chancellor. It was as politically motivated as ever, perhaps no surprise as we are now just 3,613 hours away from Brexit. We have been relatively cynical recently about the Treasury's ability to formulate substantial and impactful changes when the Government's resources are so heavily devoted to the UK's departure from...

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Autumn 2017 Budget

Please find enclosed our hot-off-the-press summary of this afternoon's Budget.   As with the Spring Budget before it, and the Autumn Statement before that, this (new) Autumn Budget was another damp squib, in our opinion. HM Treasury still clearly has its mind on more important matters, and there was therefore little in terms of substantive change. On the subject of changes to pension rules, cited in just...

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Quarterly Private Client Newsletter: February 2016

Welcome to the latest edition of the Kennedy Black Quarterly Private Client Newsletter.   First off, we are delighted to be able to say that Kennedy Black Wealth Management recently won not one but two prestigious awards: Boutique Wealth Management Firm of the Year and Financial Planning Product of the Year (for our INTELLIGENT WEALTH MAP planning tool).   As well as that announcement, we also cover a few interesting...

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Get your home insurance right

Effective home insurance is an important part of protecting your family’s finances. We often find clients are under-insured, which means any prudent planning could be undone through events beyond their control.   Part of the problem is that online comparison sites primarily focus on price. That means insurers are incentivised to reduce core levels of cover and exclude any extras, in order to keep headline rates low.   But...

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Autumn Statement 2015

George Osborne announced his half-yearly Budget yesterday. This is, in fact, his third visit to the despatch box this year after the Budget in April and the Summer Budget in July.   The build-up was very much focused on the continuation of Mr Osborne’s austerity measures. There was plenty of that, as well as a few items that our clients are likely to find interesting.   However, given the...

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Quarterly Private Client Newsletter: November 2015

Welcome to the latest edition of the Kennedy Black Quarterly Private Client Newsletter.   We summarise yesterday's Autumn Statement, we talk about Enterprise Investment Schemes (EIS) and when they seem to make most sense.  Plus we look at a couple of insurance-based topics, including why you need to be careful about relying on employer-based protection cover.    November 2015 KBWM Private Client Newsletter   Don't hesitate to get in touch if you...

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Summer Budget 2015

As the first Budget from a majority Conservative government since 1996, this was always likely to be an interesting exercise. Buy-to-Let properties: For a lot of our clients, the biggest bombshell relates to the tax relief on Buy-to-Let mortgage interest payments. This will be restricted to basic-rate income tax, phased in over a period of four years starting in April 2017. This continues what we perceive...

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Quarterly Private Client Newsletter: May 2015

Welcome to the latest edition of the Kennedy Black Quarterly Private Client Newsletter.   In this edition we are delighted to be able to announce the launch of our brand new in-house will-writing service. After endless meetings with clients trying to drill home the importance of having a Will, we have decided to take matters into our own hands.   And we wouldn’t want to starve your thirst for pension...

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Quarterly Private Client Newsletter: December 2014

Welcome to the twentieth edition of the Kennedy Black Quarterly Private Client Newsletter.   In this edition, we focus on why proper financial planning is important and worth paying for.   This month has also seen George Osborne's Autumn Statement, which we summarise briefly.   Finally, we include the tenth and final 'irrational behaviour' in our series, wrapping things up with perhaps the most duplicitous of all: Hindsight Bias.    December 2014 KBWM...

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Summary of 2013 Budget

Another year, another austere Budget.   As usual, I'm pleased to provide the following overview of the main points, with some thoughts and balanced opinions thrown in.   Overall, the headline figures (growth, deficit, borrowing) were as bad or bleaker than previously hoped, but I don't think anyone's surprised by that.   Here are some of the main points (in no particular order): - Help for small businesses: a new 'Employment Allowance'...

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