Welcome to the latest edition of our MoneyWorks Newsletter, which you can download here.
Articles in this edition focus on:

• For Richer, For Poorer – pension and asset advice
• Tax-Wise – make the most of your valuable allowances, reliefs and exemptions

It goes without saying that divorce can be a stressful and complex time for all involved. The focus is often on issues such as accommodation and childcare, however pension funds and retirement incomes are also a priority. There are three options to consider when you are separating pension assets: pension sharing order, pension attachment order and pension offsetting. However, not all of these will be suited to your personal circumstances, so it is important to get financial advice as early as possible. If you want to know more about the options available to you regarding your finances, please do not hesitate to contact us.

The end of the tax year is just over three months away. Leaving end of year tax planning until the last minute increases the risk that you will have left it too late, and you may miss you on the chance to improve your financial position, by making the most of valuable allowances, reliefs and exemptions that could reduce your tax bill. We have put together some of the main areas to consider, and to help your finances stay tax-efficient.

As always, I am happy to hear from you if you would like to discuss any of these issues further.