Amber River

Setting financial goals can make a big difference to your mental wellbeing. By taking control and staying motivated, you'll have a clearer understanding of your financial situation and feel happier as a result. Call 0800 915 0000 or visit amberiver.com @AmberRiverGroup #LifeLandscaping #AmberRiver #annuities #planforalifewelllived #planahead #lifewelllived #financialplanning #independentfinancialplanner #retirementplan #financialplanner #financialgoals #financialplans #financialadvice #financialadviser #IFA #finances #financialgoal #money #success #finance #financialplanners #inheritance #pension #moneygoals #lifegoals #inheritancetax #inheritancetaxplanning

Chancellor Rachel Reeves has shared her first Budget since the election, aiming to “restore stability and start a decade of renewal.” Here are some of the key changes that could affect your long term financial plan: Capital Gains Tax (CGT):  The basic rate will rise from 10% to 18% and the higher rate from 20% to 24%. Inheritance Tax (IHT):  Pension funds and death benefits payable from a pension will be brought into a person’s estate for IHT purposes from 6 April 2027. Employer NI increase:  From April 2025, employer NI contributions will rise from 13.8% to 15%, with the earnings threshold dropping to £5,000. This change could impact business costs and, ultimately, job markets. Stamp Duty:  The Stamp Duty surcharge on the purchases of second homes, buy-to-let residential properties, and companies purchasing residential property in England and Northern Ireland will increase from 3% to 5%. School fees:  From 1 January 2025, VAT will apply to all education, training, and boarding services provided by private schools. ISAs:  ISA subscription limits will remain unchanged until 2030. An Amber River independent financial planner can help you understand how these changes could impact your finances - and prepare for what’s next. For more detail on today's announcements, visit: https://lnkd.in/eJCXRazH

When inflation is higher than savings rates, price rises will chip away at the spending power of your cash. Cash might have a place in your portfolio, but for longer-term goals, investing will give you the potential for a better return. Read the full blog - https://lnkd.in/ekAdddEF... @AmberRiverGroup #LifeLandscaping #AmberRiver #annuities #planforalifewelllived #planahead #lifewelllived #financialplanning #independentfinancialplanner #retirementplan #financialplanner #financialgoals #financialplans #financialadvice #financialadviser #IFA #finances #financialgoal #money #success #finance #financialplanners #inheritance #pension #moneygoals #lifegoals #inheritancetax #inheritancetaxplanning

Our very own David McConachie, from Lossiemouth-based Amber River C&M, was featured in The Scotsman's recent pre-Budget roundtable discussion. Find out what David hopes to see in tomorrow's Budget, and the views from the rest of the panel, here: https://lnkd.in/e_iy9ZDB

The real value of a plan lies not in chasing investment returns, or limiting your tax exposure, although those things are important. It’s more personal than that. It’s about your priorities, the opportunities available to you, and the risks and challenges you might face along the way. Call 0800 915 0000 or visit amberiver.com @AmberRiverGroup #LifeLandscaping #AmberRiver #annuities #planforalifewelllived #planahead #lifewelllived #financialplanning #independentfinancialplanner #retirementplan #financialplanner #financialgoals #financialplans #financialadvice #financialadviser #IFA #finances #financialgoal #money #success #finance #financialplanners #inheritance #pension #moneygoals #lifegoals #inheritancetax #inheritancetaxplanning

Cashflow modelling is a tool that allows you to visualise your future and model the potential impact of various scenarios. It's a valuable part of financial planning because it helps capture what’s important to you, revealing the future you’re visualising and the path to achieving it. Read the full blog - https://lnkd.in/eDxZkxrS... @AmberRiverGroup #LifeLandscaping #AmberRiver #annuities #planforalifewelllived #planahead #lifewelllived #financialplanning #independentfinancialplanner #retirementplan #financialplanner #financialgoals #financialplans #financialadvice #financialadviser #IFA #finances #financialgoal #money #success #finance #financialplanners #inheritance #pension #moneygoals #lifegoals #inheritancetax #inheritancetaxplanning

Did you know that 26% of people are now turning to social media for financial advice? 📱 While financial content on social media might give you some general tips, it can’t replace the personalised guidance of a regulated IFA. Your financial freedom is too important to trust to someone who doesn't know, or care about you. Call 0800 915 0000 or visit amberiver.com @AmberRiverGroup #LifeLandscaping #AmberRiver #annuities #planforalifewelllived #planahead #lifewelllived #financialplanning #independentfinancialplanner #retirementplan #financialplanner #financialgoals #financialplans #financialadvice #financialadviser #IFA #finances #financialgoal #money #success #finance #financialplanners #inheritance #pension #moneygoals #lifegoals #inheritancetax #inheritancetaxplanning

Financial planning should be as unique as you are. For women, there can be extra challenges to consider. That’s why having a plan that reflects your personal journey is so important. And sometimes it helps to get advice from someone who’s been through it themselves. Read the full blog - https://lnkd.in/eQbiS-si... @AmberRiverGroup #LifeLandscaping #AmberRiver #annuities #planforalifewelllived #planahead #lifewelllived #financialplanning #independentfinancialplanner #retirementplan #financialplanner #financialgoals #financialplans #financialadvice #financialadviser #IFA #finances #financialgoal #money #success #finance #financialplanners #inheritance #pension #moneygoals #lifegoals #inheritancetax #inheritancetaxplanning

Accumulating wealth doesn't just bring financial freedom, it also helps you achieve peace of mind. But you'll need a solid plan, one that has been created through expert financial planning and that leaves you to enjoy what really matters. Call 0800 915 0000 or visit amberiver.com @AmberRiverGroup #LifeLandscaping #AmberRiver #annuities #planforalifewelllived #planahead #lifewelllived #financialplanning #independentfinancialplanner #retirementplan #financialplanner #financialgoals #financialplans #financialadvice #financialadviser #IFA #finances #financialgoal #money #success #finance #financialplanners #inheritance #pension #moneygoals #lifegoals #inheritancetax #inheritancetaxplanning

Saving into a pension might feel routine, but there are pitfalls that could impact your retirement income. David Robertson, a Chartered Financial Adviser at Amber River East Anglia, explores how you can achieve a healthier pension and a more fulfilling retirement. Read the full blog - https://lnkd.in/ed2Gha3m @AmberRiverGroup #LifeLandscaping #AmberRiver #annuities #planforalifewelllived #planahead #lifewelllived #financialplanning #independentfinancialplanner #retirementplan #financialplanner #financialgoals #financialplans #financialadvice #financialadviser #IFA #finances #financialgoal #money #success #finance #financialplanners #inheritance #pension #moneygoals #lifegoals #inheritancetax #inheritancetaxplanning