HMRC have further expanded their online services recently in their "making tax digital" campaign. It is about this time of year that, if you have income that is taxed through the PAYE system, you will begin to receive tax codes for the coming year. It is now possible to login and view your tax code and personal allowance online via your Personal Tax Account. In addition, you will be able to notify HMRC of any changes affecting your tax code, update employer and pension provider details, view an estimate of how much tax you will pay, and to check and amend estimates of how much income you will receive from employment, pensions and bank or building society interest. You can access the new serv

Financial advice has long been about planning for the future, often aiming for one single event; retirement. Focussing on your savings, your investments, your pensions, and working out how much income you’ll have to live on when you retire. This is often what people expect from us when they first get in touch. To us, whilst this may be a helpful question to answer it is very one-dimensional. Financial Planning isn’t just about planning for one single day when you stop working. It’s creating a vision of the life you want to lead. It’s identifying what is important to you. It’s figuring out the things you absolutely don’t want to miss. It's having a back-up if things don't play out as you expe