Lathe & Co Wealth Advisers

We're delighted to welcome Tom Warren to Lathe & Co. With a solid background in financial services administration, Tom joins us as a Paraplanner, playing a key role in ensuring our client services operate seamlessly every day. Welcome to the team, Tom! #latheandco #yourfuturenow

Through Nother Portfolio Services , our clients benefit from robustly constructed and well diversified portfolios which are designed to avoid excessive exposure to any single factor or theme. This provides an element of protection during sell-offs, like the one we’re seeing now with growth and AI-driven stocks. For the full story, read US Market Volatility & Your Portfolio #latheandco #yourfuturenow #investing

🤔 When should you use your ISA allowances? “The short answer is: at the start of each tax year, not the end. The reality is, much like Christmas shopping, most people leave things to the last minute. Cue rushed decisions and frustrated calls to banks – ‘Why can’t I move £20k in one day? What bank restrictions?’ Why not flip your usual habits on their head, and use your ISA allowances at the start of the tax year instead? You’ll not only take the stress out of the equation and get more time to plan your decisions properly, but you’ll also get more time to benefit from compound growth.” 🕰️ Use ISA allowances at the start of the tax year, not the end and get more time to plan 🗓️ Get a whole extra year of potential growth – which can compound dramatically over time 💷 Reach your savings goals sooner and more efficiently #latheandco #yourfuturenow #ISA #investing

Equity markets are volatile by nature. When volatility strikes, it’s tempting to take cover in cash. But history shows us, that’s usually a mistake…   If you’re in any doubt, talk to your adviser👋 #latheandco #yourfuturenow #investing ** Source: Vanguard calculations in GBP, based on data from Refinitiv, as at 3 July 2024

We appreciate your kind words Christine! #latheandco #yourfuturenow

We're pleased to welcome Joe Green and Trumble Outhwaite to our External Client Services team. We look forward to working with them and supporting their journeys to becoming fully qualified financial advisers. Wishing them both every success in their new roles! 🚀 #latheandco #yourfuturenow #financialadvisers

⏰ The clock is ticking… The 2024/2025 tax year ends on 5 April, and with the Spring Budget on 26 March, there’s always the possibility of surprise announcements...                          All the more reason to make sure you use up your annual allowances for the 24/25 Tax Year sooner rather than later. Based purely on the tax relief you’d receive on your pension contributions, £1,000 out of your pocket equates to: 💷 £1,250 for basic rate taxpayers 💷 £1,666 for higher rate taxpayers 💷 £1,818 for additional rate taxpayers So it’s well worth keeping on top of… 👉 Scroll to the right for a quick overview of the current allowances To find out what allowances are available to you or what you have left, speak to your adviser today. And if you don’t already have a financial adviser, Hello👋 #latheandco #yourfuturenow #tax #planning #pensions

The Bank of England has halved its 2025 growth forecast and cut interest rates by a quarter-point to 4.5%. #latheandco #yourfuturenow #baseratecut

⏳ The Clock is Ticking: make the most of your Tax Year Allowances! 📅 With Tax Returns submitted, we now approach the End of the Tax Year (April 5th). It’s time to reflect on your financial goals and ensure you're making the most of the allowances available to you. ✅ Why stay proactive? Tax legislation and allowances are constantly changing. A small step now, such as topping up an investment vehicle or rebalancing your portfolio to avoid future Capital Gains Tax, can make a significant impact in the long term. 🔓 Which allowances? This will largely depend on your current situation. Whether it’s maximising your ISA contributions, using the annual gifting exemption for inheritance tax (IHT), or reviewing your pension allowances, these aren’t just “use it or lose it” opportunities—they’re essential steps toward securing your financial future. 💡 Don’t wait until the last minute. Staying ahead of deadlines avoids unnecessary stress and helps you make informed decisions. Now is the time to discuss with your financial adviser to review your situation and act before the window closes. If you would like to discuss what options are available to you, feel free to reach out. #endofthetaxyear #taxplanning #latheandco #yourfuturenow

🤔 How can you talk to family about Inheritance Tax? “Inheritance Tax is often called a voluntary tax because, with proper planning, many assets can be structured efficiently to minimise or avoid it altogether. However, this requires some open and honest conversations, which need to be handled sensitively. The sooner you start having those conversations, the easier they will be. It’s a good idea to speak to an adviser first too, so you know exactly what thresholds and exemptions will apply. From there, your family can make a plan that suits their priorities – allowing them to enjoy their wealth, without worrying about what they’ll leave behind.” 🕰️ Begin the conversation sooner rather than later 🤷 Focus on establishing your family’s priorities as a starting point 📕 Get professional advice on what thresholds and exemptions apply #latheandco #yourfuturenow #IHT #inheritancetax