Welcome to our autumn newsletter of 2022

September is an important inflection point in the year for many, and we are often filled with a renewed sense of optimism and motivation after the summer.

However 2022 has been challenging for so many people, for so many different reasons, and the recent news of Queen Elizabeth II’s passing has cast a sombre shadow across our country. Her unwavering service and devotion to duty for over 70 years is recognised by us all and the tireless work ethic and unity that she has given to our country have been a great gift to every one of us.

As well as a new monarch, we have a new Prime Minister, who has already outlined her plans for tackling the energy cost crisis. We’ve put together a summary of the measures she’s announced, and will share more information on how these measures will be funded once available.

This newsletter also includes articles on interest rates, capital gains tax for divorcees, inheritance tax and a high-level summary of the new rules announced from the FCA on Consumer Duty. We also included a piece from our Paraplanner Connor on how to deal with the difficult situation of passwords after a loved one’s passing, and a reminder to clear out any paper-based bank notes before they are taken out of circulation at the end of this month.

While there's no substitute for one-to-one advice, we hope the news and insights we've selected to share are useful and help you organise your finances.