Protect and Invest Ltd is authorised and regulated by the Financial Conduct Authority under reference 469073. The Financial Conduct Authority does not regulate  Taxation and Trust Advice, Offshore Investments, Will Writing, Estate Planning, Deposit Accounts and some forms of Mortgages and School Fees Planning. Please visit our legal declarations pages.

LEGAL DECLARATIONS

©2019 by Protect and Invest Ltd

December 16, 2019

The clear victory of the Conservative party in the UK general election has significantly reduced the levels of uncertainty over the next steps for the UK, both politically and economically.  

The pound was up 2.5% as the exit poll emerged on Thursday night which indicated a decisive win for the Tory party. UK stocks have risen across the board, partly aided by President Trump indicating that a US-China phase-1 trade deal would be signed imminently.

By mid-Friday morning the FTSE 100 was up around 1.8 per cent, and the more UK-focussed FTSE 250 by 4.3 per cent. Utility and banking stocks soared, with National Grid up 7 per cent and Lloyds Banking Group up...

March 9, 2019

IR35 rules are designed to assess whether an individual working through their own Personal Service Company should actually be treated as an employee and paid through the PAYE system. Workers using Personal Service Companies have the advantage of being able to draw dividends which are generally more tax efficient, and not subject to National Insurance.

Changes were introduced in April 2017 in the public sector, which meant that public bodies using contractors were effectively responsible for enforcing these so-called IR35 rules.

Private sector contractors are already subject to IR35 rules, but a consultation has been launched by HMRC into how rules will o...

February 20, 2019

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...

February 6, 2019

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 b...

June 13, 2018

For the second year running, we offered our clients the chance to win two pairs of tickets to the annual Chelsea Flower Show. Once again, this proved to be very popular.

Last year, we offered the tickets on a first come first served basis to the first person to reply to our email. Amazingly, it took just 30 seconds for the winner to stake their claim! This year, decided to put the entries into a hat, and the lucky winners were picked out at random by my five-year old Son, William!

Whether you're a keen gardener or not, the displays at the show, which has been hosted by the Royal Horticultural Society since 1912, are terrific. As this year's winner of the...

May 24, 2018

I know, I know, you've received a million and one emails asking if you want to remain on a mailing list, and explaining how your data will be used.


You've heard it all before, and by now you're no doubt an expert on data protection. So I'll be brief.

Rest assured, we take your rights and your data security extremely seriously. Click the link below to read our Data Protection Notice.

Our Data Protection Notice

If you have any questions, just ask.

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