2012/13 financial planning guide

The Government continues to make changes that impact on all our finances. So we have prepared this guide complete with a wide range of planning pointers taking into account changes announced in the 2012 Budget.

With the continuing slow rate of economic growth and the challenges of unemployment and Government cuts, a review of your financial and tax planning is important. Protecting and maximising your net income, business and family assets should be high on everyone's agenda.

This area of our website comprises an important range of personal and business planning guides. Use the links to the separate guides that look at your planning for the immediate future as well as guides that look at more medium and long term matters.

Proper tax and financial planning can lower or defer the tax you pay, freeing up cash for investment, business or personal purposes.

We believe that planning is the starting point for developing your wealth and building financial security so that you are as ring-fenced as possible when market and/or financial reverses occur.

Making sense of your planning and your finances requires more time and effort than ever in today's constantly developing, and often fluctuating, economic environment. With many people seeking higher earnings and to rebuild their wealth, it is essential to be abreast of ever-changing tax laws and the wide range of financial products and solutions available.

This guide contains our outline thoughts and basic strategies that you might discuss with us for the current 2012/13 tax year. There is no substitute for personal advice and we trust our website demonstrates our expertise and commitment to helping clients plan and save tax.