CL4Women

CL4Women CL4Women is the sister company of Cockburn Lucas. We're dedicated to giving you absolutely impartial and trustworthy financial advice.

Financial planning designed by Women for Women.

With this long long winter (and snow on the way!), many of us worrying about catching various bugs resulting in time of ...
07/03/2023

With this long long winter (and snow on the way!), many of us worrying about catching various bugs resulting in time of work and feeling poorly due to flu, covid, coughs and colds. Maybe you’ve decided to increase your supplement intake to help you deal with missing nutrients.

Gut health is an exciting topic in the world of nutrition… read our feature on fermented foods, and why nutritionists love them.

https://cl4women.co.uk/supporting-you/news/what-todays-high-inflation-economy-could-mean-for-you/

According to the , sales of second-hand electric cars are reaching record highs. There is a larger volume of electric ve...
21/02/2023

According to the , sales of second-hand electric cars are reaching record highs. There is a larger volume of electric vehicles now in the market, with the Government’s ban on the sale of new petrol and diesel cars by 2030 is motivating more people to consider them.

Whilst the many reasons to go green are well publicised, there are still some misconceptions in the market about electric cars and their capabilities.

In the article, we attempt to dispel some of these.

https://cl4women.co.uk/supporting-you/news/going-green-why-many-are-turning-to-electric-for-second-cars/

As part of our ‘good to know’ series… we sometimes get asked:Pension Sharing – when does this apply? Pension sharing is ...
30/01/2023

As part of our ‘good to know’ series… we sometimes get asked:

Pension Sharing – when does this apply?

Pension sharing is one of the options available on divorce or the dissolution of a civil partnership. It provides a clean break between parties as the pension assets are split immediately. This means that each party can decide what to do with their share independently.

If you are worried or would like to talk to us about increasing your savings for retirement, please get in touch.

Let us help you.

As part of our ‘good to know’ series… we sometimes get asked:State Pension age – what is it?There are some changes to th...
24/01/2023

As part of our ‘good to know’ series… we sometimes get asked:

State Pension age – what is it?

There are some changes to the State Pension age at the moment. For people reaching State Pension age now, it will be age 66 for women and men. For those born after 5 April 1960, there will be a phased increase in State Pension age to 67, and eventually 68.

The retirement age in the UK is rising quicker than most European countries.

But what could this mean for you?⁠

If you are worried or would like to talk to us about increasing your savings for retirement, please get in touch.

As part of our ‘good to know’ series… we sometimes get asked:Capital Gains Tax – when will someone make a gain selling a...
12/01/2023

As part of our ‘good to know’ series… we sometimes get asked:

Capital Gains Tax – when will someone make a gain selling assets?

Capital gains tax (CGT) is payable when you sell an asset that has increase in value since you bought it. The rate varies based on a number of factors, such as your income and size of gain. Capital gains tax on residential property may be 18% or 28% of the gain (not the total sale price).

Treating our customers fairly is always at the forefront of what we do. We are like minded friendly female advisers.

Let us help you.

As part of our ‘good to know’ series… we sometimes get asked:Inheritance Tax – 40%, who pays it and when?The standard In...
09/01/2023

As part of our ‘good to know’ series… we sometimes get asked:

Inheritance Tax – 40%, who pays it and when?
The standard Inheritance Tax rate is 40%. It's only charged on the part of your estate that's above the thresholds.

Treating our customers fairly is always at the forefront of what we do. We are like minded friendly female advisers.

Let us help you.

We would like to wish you all a very Happy Christmas. Thank you for all your support over 2022. 🌲With best wishes from t...
20/12/2022

We would like to wish you all a very Happy Christmas. Thank you for all your support over 2022. 🌲

With best wishes from the team at CL4W.

As part of our ‘good to know’ series… we sometimes get asked:'Carry forwards on pensions' – what is it and who can use i...
12/12/2022

As part of our ‘good to know’ series… we sometimes get asked:

'Carry forwards on pensions' – what is it and who can use it?

Generally the most you can pay into your pension each tax year is as much as you earn, up to £40,000.

If you want to make the most of your pension savings and tax allowances, carry forward lets you take advantage of any unused pension allowance from the previous three tax years.

Including the current tax year, that could mean you’re able to make a pension contribution of up to £160,000 including tax relief.

☕️☕️☕️

Treating our customers fairly is always at the forefront of what we do. We are like minded friendly female advisers.

Let us help you.

As part of our ‘good to know’ series… we sometimes get asked:Personal Allowance for income tax – what is it?Everyone, in...
05/12/2022

As part of our ‘good to know’ series… we sometimes get asked:

Personal Allowance for income tax – what is it?

Everyone, including students, has something called a Personal Allowance. This is the amount of money you’re allowed to earn each tax year before you start paying Income Tax.

For the 2022/23 tax year, the Personal Allowance is £12,570. If you earn less than this, you usually won’t have to pay any income tax.

Treating our customers fairly is always at the forefront of what we do. We are like minded friendly female advisers.

Let us help you.

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Nottingham
NG27LA

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