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Monday 9am - 5pm Tuesday 9am - 5pm Wednesday 9am - 5pm Thursday 9am - 5pm Friday 9am - 5pm

Watson Financial Planning, Victoria House, Bradford Road, Leeds (2026)

08/03/2024

Estate Planning and IHT

Leaving a legacy to your children and/or grandchildren can be an important part of the financial planning process. Especially when a lot of wealth is lost between generations if not planned for correctly.

Pensions from ‘defined benefit’ pots can usually only be paid to a dependant of a deceased owner, such as a husband, wife, civil partner or child under 23. They can sometimes be paid to someone else if the pension scheme’s rules allow it – but the fund will be taxed at up to 55% as an ‘una...

19/01/2024

The Importance of Currency when Investing.

Financial technology lets us do wonderful things.

Within 10 minutes of opening a stocks and shares ISA, you can happily be making investments around the world. US government bonds, European ETFs, Japanese equities, whatever you like.

Pensions from ‘defined benefit’ pots can usually only be paid to a dependant of a deceased owner, such as a husband, wife, civil partner or child under 23. They can sometimes be paid to someone else if the pension scheme’s rules allow it – but the fund will be taxed at up to 55% as an ‘una...

12/01/2024

Who Wants UK PLC?

Every couple of years, the Office for National Statistics releases it’s “Ownership of UK quoted shares” report*. And it’s just come out.

Every couple of years, the Office for National Statistics releases it’s “Ownership of UK quoted shares” report*. And it’s just come out.

05/01/2024

Cash or Investments?

Interest rates are at levels we haven’t seen since before the Financial Crisis, tempting people into cash, and away from investing.

Some people are even asking, ‘does investing even make sense anymore’?

Pensions from ‘defined benefit’ pots can usually only be paid to a dependant of a deceased owner, such as a husband, wife, civil partner or child under 23. They can sometimes be paid to someone else if the pension scheme’s rules allow it – but the fund will be taxed at up to 55% as an ‘una...

01/09/2023

Death Benefits and Intergenerational Pension Planning

Pensions from ‘defined benefit’ pots can usually only be paid to a dependant of a deceased owner, such as a husband, wife, civil partner or child under 23. They can sometimes be paid to someone else if the pension scheme’s rules allow it – but the fund will be taxed at up to 55% as an ‘unauthorised payment’.

Pensions from ‘defined benefit’ pots can usually only be paid to a dependant of a deceased owner, such as a husband, wife, civil partner or child under 23. They can sometimes be paid to someone else if the pension scheme’s rules allow it – but the fund will be taxed at up to 55% as an ‘una...

25/08/2023

Property or Shares & Investments?

Many people have, for decades, been obsessed with comparing their property with their pension or comparing their buy-to-let against their stock market returns. It makes for a rich vein of dinner-party conversation but is otherwise a difficult comparison to make.

Annuities were once the number one choice for those looking to take benefits from their pension. In exchange for either part or all of your pension, an annuity company provides a secure fixed income for the rest of your life which can even be indexed to increase in line by a set percentage each year...

01/08/2023

25 years of the £2 coin and the scourge of inflation.

On the 25th anniversary of the circulation of the bimetal £2 coin (15th June 2023), an analysis from M&G’s Investment Office looked at how inflation has significantly eroded its purchasing power over the last quarter of a century, also demonstrating the impact it can have on long-term savings when they are not put to work.

Annuities were once the number one choice for those looking to take benefits from their pension. In exchange for either part or all of your pension, an annuity company provides a secure fixed income for the rest of your life which can even be indexed to increase in line by a set percentage each year...

30/06/2023

The Return of Annuities?

Annuities were once the number one choice for those looking to take benefits from their pension. In exchange for either part or all of your pension, an annuity company provides a secure fixed income for the rest of your life which can even be indexed to increase in line by a set percentage each year.

Annuities were once the number one choice for those looking to take benefits from their pension. In exchange for either part or all of your pension, an annuity company provides a secure fixed income for the rest of your life which can even be indexed to increase in line by a set percentage each year...

23/06/2023

Should you believe in markets?

Academics have for years debated the ‘Efficient Market Hypothesis’ (EMH) – ie the extent to which the stock market is efficient and reflects all the information made available at any given time...

Academics have for years debated the ‘Efficient Market Hypothesis’ (EMH) – ie the extent to which the stock market is efficient and reflects all the information made available at any given time. The EMH maintains that all stocks are ‘perfectly priced’ according to their properties. Many in...

21/04/2023

Take control of your amygdala!

After a particularly volatile year on markets and all sorts of gloomy predictions in the news, it’s always a good thing to get some perspective on what’s been happening.

Left to their own devices and without a proper plan, people are inclined to feverishly check what’s going on in their portfolio, especially when there’s bad news around. If you’d have done this daily with the world equity index since 1990 it’s basically a coin toss between whether you have a...

14/04/2023

Is it too late to save into my pension?

One of the things I get asked a lot is: ‘have I left it too late to start saving in to my pension?’.

There aren’t many things that you would gladly pay for but hope you never use. My gym membership certainly falls into the never use category. Almost everything else you pay for, you would definitely feel cheated if you didn’t use it. Protection, therfore, falls within a class of its own.

31/03/2023

March 2023 Spring Budget

Our Summary of the Proposed Changes to Personal Taxes

Jeremy Hunt delivered the 2023 Spring Budget on Wednesday 15th March 2023. We’ve outlined here our summary of the key proposals.

Watson Financial Planning

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Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm