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Resources

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9th May 2022

The value of financial advice

9th May 2022

How growing businesses are dealing with rising interest rates and inflation

Small-business owners might have been forgiven for breathing a sigh of relief as the UK economy began to open up in the early part of 2022. Nearly two years of on-off coronavirus...

9th May 2022

How year-round tax planning can make a big difference to your life

You would be forgiven for thinking tax planning is a chore to be done every March before the tax year ends. The term ‘ISA season’ doesn’t help either, with its implication that there’s a...

9th May 2022

When everything suddenly changes – why protection matters

When the COVID-19 pandemic hit in spring 2020, the dramatic rate at which everything changed left people feeling bewildered. It was yet another reminder that however much we try to make plans,...

9th May 2022

What are the chances you’ll need long-term care one day?

The following might not be a question that many of us want to ask – or know the answer to – but it’s an important one, as it can have major implications...

9th May 2022

Why retirement will soon be an outdated concept

When the pensioners of today were still in the workplace, they largely knew what to expect when it came to retirement. They knew what their State Pension age would be and that...

9th May 2022

Keep it in the family with smart tax planning

There comes a point in life when thoughts turn to what happens after we’re gone. For those with children and grandchildren, in particular, this will likely include considering how best to pass...

9th May 2022

Protect your wealth as your business grows

As the economy emerges from the worst effects of the coronavirus crisis, business owners can begin looking forward to a brighter future. At the end of 2021, the UK’s GDP equalled pre-pandemic...

9th May 2022

The value of advice in later-life planning

Your adviser can help you find the confidence to know you’re heading for a secure financial future The era when everyone knew what their retirement would look like – when you reached...

9th May 2022

Why higher taxes make pension and ISA planning crucial

As the tax burden on Britons is set to reach its highest level since the 1950s, it’s increasingly important to use your tax-efficient pension and ISA allowances together Britons will soon face...

9th May 2022

New tax year checklist

As the new tax year begins, our guide will help you take full advantage of all the tax breaks available so you don’t pay more than you need to   As world...

9th May 2022

Creating a world you believe in

Creating a world you believe in The power of money to create a better future Let’s think about the future for a moment. Our world in the future. A world that is...

17th March 2022

Are you tax savvy or missing a trick?

Are you tax savvy or missing a trick? Try our quiz and find out Test yourself to find out how much you know – and whether it’s time to seek expert advice...

2nd March 2022

Stop price rises damaging your retirement spending power

As inflation soars to its highest level in a decade, maximising your pension allowances becomes even more important for protecting your retirement income. The quick read.• Rising prices could damage your spending...

24th February 2022

Most investors should ignore the risk of major macro events

Joe Wiggins, Director of Liquid Markets at St. James’s Place, on investing through turbulent times. Russia’s attack on Ukraine is the latest macro event that has investors concerned about equity markets. Further incursions are...

15th February 2022

The tax-savvy way to give the next generation a financial head start

When you’ve got more than your own situation to consider, managing your finances can sometimes feel like spinning plates. You could be trying to make the most of your investments while also...

15th February 2022

The importance of arranging a power of attorney

Have you considered what would happen if you could no longer manage your financial affairs yourself, or make other important decisions concerning your health and welfare? Many people believe that their next...

15th February 2022

Your guide to Capital Gains Tax

Capital Gains Tax (CGT) is complicated. That means some people end up paying it unnecessarily, while others get caught out and face fines for failing to properly declare their gains. Here are...

4th February 2022

Make 2022 less taxing – the financial habits to get into.

There’s no better time than the New Year to get into good habits that will make a real difference to your life. Financial goals are an ideal place to begin, not least...

4th February 2022

Whatever your financial goals, don’t miss this year’s use-by date for your tax allowances

Don’t let your tax allowances and reliefs go to waste – make sure you take action before the end of the tax year on 5 April. With the ongoing COVID-19 pandemic making...

4th February 2022

Use it or lose it: how tax allowances can help future-proof your finances

When you’re setting goals for the future, it can be hard to find the path between the place you are now and the place you want to be. The answer usually lies...

4th February 2022

Beat the 60% tax trap – find out how to beat this sneaky tax sinkhole with our guide.

A quick check with HMRC will confirm that Income Tax is charged at 0%, 20%, 40% or 45%, depending on your income for the year. The rates are marginally different in Scotland,...

4th February 2022

What the new government cap on care fees will mean for you

The government recently announced a cap of £86,000 per person for long-term care fees, but this figure is misleading – we explain how the new cap works and the true costs you...

4th February 2022

How to pass on your pensions and minimise tax on your estate after you die

Including your children and grandchildren in retirement planning can help the whole family. The quick read: It’s possible to pass pensions onto children or grandchildren tax efficiently. Financial advisers can decode complex rules around...

4th February 2022

Assessing your retirement investment risk appetite

The level of investment risk that is right for you depends on a number of factors. An adviser can assist you in evaluating your options and produce a plan to help you...

4th February 2022

Be tax smart to help boost your retirement savings

By using the allowances, reliefs and exemptions you’re entitled to, you can make your money work harder. The quick read: Retirement can seem a long way off when you’re in your 20s or...

4th February 2022

Use it or lose it: how tax allowances can help future-proof your finances

It’s important to make the most of tax opportunities to help achieve your goals. The quick read: The biggest life plans tend to require solid financial foundations, from saving to buy a...

4th February 2022

Whatever your financial goals, don’t miss this year’s use-by date for your tax allowances

Don’t let your tax allowances and reliefs go to waste – make sure you take action before the end of the tax year on 5 April. The quick read: It’s important to...

4th February 2022

Make 2022 less taxing: the financial habits to get into now

Get the New Year off to a good start with these five ways to stay on top of your finances. The quick read: With pandemic-related uncertainty stretching into another year, getting into...

4th February 2022

Prepare for a greater tax burden

The government is raising taxes to help recoup the cost of the COVID-19 pandemic, but there are ways you can manage tax to lessen the load. The quick read: Individuals and businesses...

4th February 2022

5 things you need to know about Inheritance Tax

Inheritance Tax is complex. Here, we highlight its key exemptions and allowances – but to ensure you minimise your bill, seeking expert financial advice is a must. The quick read: Much of...

4th February 2022

Active vs passive investing – which is better?

The debate about the merits of active and passive investing attracts a lot of attention, and we believe that both have an important role to play. Here we explore the features and...

4th February 2022

Responsible investing and ESG: what gets measured gets managed

To assess climate-change-related risks and opportunities, investors need companies to provide clear, high-quality environmental-impact reporting. The quick read: Companies should use accepted reporting frameworks and produce dedicated annual sustainability reports so that...

23rd December 2021

Long-term care: what are the options?

At a glance The first step is to understand your or your loved one’s care requirements – and a care needs assessment by social services can help with this. Care can then...

23rd December 2021

Keeping business exits on course

Exiting a business can be a challenging experience for business owners, even at the best of times. While COVID-19 has changed many things in our lives, all the measures of a business...

23rd December 2021

Give your ISA the best chance of success

At a glance: Stocks & Shares ISAs are a very tax-efficient – and potentially lucrative – way of saving for the long term (at least five to 10 years). Each person’s ISA...

23rd December 2021

Who pays for social care?

At a glance: Your local authority is responsible for social care and will work out if you qualify for financial support. They will provide a means test to calculate whether you have...

23rd December 2021

Do you have to sell your home to pay for care?

At a glance It’s not always necessary to sell your home to fund long-term care. If you choose to receive in-home care, or if a spouse or dependent relative remains living in...

23rd December 2021

Should I wait to access my pension?

At a glance: If you can afford to leave your pension untouched for the near future, your money will remain invested and could grow into a larger savings pile – although there’s...

23rd December 2021

Planning for your financial future as a new mum

At a glance Statistics on the gender pay gap reflect how important it is for new mums to have a financial plan to ensure their family’s future That plan should include protection...

23rd December 2021

What should I do if one of my parents needs care?

At a glance Having a parent who needs long-term care can be very stressful, and people often don’t know where to turn for support. Our recommendation is to follow a five-step plan,...

23rd December 2021

The importance of an annual tax review

At a glance It’s important to keep an eye on your tax position to ensure you’re neither overpaying nor underpaying tax. An expert adviser can go through everything with you, from making...

23rd December 2021

If a loved one needs care: managing their changing needs

At a glance: If a parent or grandparent requires care, it’s important to consider how their needs might evolve in the future so that you can be prepared. This has implications in...

23rd December 2021

Paying for long-term care: what are your options?

Almost half the UK’s population believes that if they need social care, it will be funded by the NHS: according to research conducted by the Local Government Association, 44% of people think...

23rd December 2021

Do you have to sacrifice returns to do the right thing?

Responsible investing may not have to come at the cost of financial returns. Rather, it has the potential to boost growth in your portfolio, reduce the effect of market swings and increase...

23rd December 2021

The cost of a comfortable retirement

The Retirement Living Standards explain exactly what a happy and enjoyable retirement will cost you. We now have more information, more choices, and more responsibility for our retirement savings. But will the...

23rd December 2021

Understanding inflation

As prices creep up after COVID-19 lockdowns, how should investors think about it? As the COVID-19 restrictions have gradually eased, and consumers have been able to leave their homes and spend their...

23rd December 2021

Turning the oil tanker around

Pressure from investors is encouraging major oil and gas producers to refocus towards renewable energy, demonstrating how your money can make a positive difference. Demand for fossil fuels is reaching a plateau...

23rd December 2021

Preparing for a care-needs assessment

The first step towards finding the care a loved one needs is for them to undergo a formal assessment by their local authority – here’s how to get the most from it....

23rd December 2021

Everything you need to know about the social care means test

A financial assessment by your local authority will ascertain how much they’ll pay towards your long-term care. If you need long-term care and have received a care support plan, the next step –...

23rd December 2021

The links between mental health and financial wellbeing

It’s well recognised that the money problems that may arise from challenging and stressful life events often impact mental health. Fortunately, there is support available. If we ever needed a clear illustration...

23rd December 2021

Self-employed women: you work for yourself but you’re not alone

Looking after your finances can seem daunting when you’re self-employed, but you don’t have to go it alone. Taxes, pensions and cash flow are easier to manage than you think. Rising numbers...

23rd December 2021

Your 2021/22 tax allowances: why you shouldn’t wait until March to make the most of them

Leaving it to the last minute can cost you financially and cause unnecessary stress. If you’ve ever left it as late as possible to meet a deadline, you’ll know what it feels...

23rd December 2021

How to protect yourself against investment cyber crime

Cybercriminals are developing and boosting their attacks at an alarming pace, exploiting the fear and uncertainty caused by COVID-19. In March 2020, our home and work lives moved from in-person to remote....

23rd December 2021

How has video calling improved financial literacy?

Video calling has gone mainstream and it’s had some surprising positive effects, including empowering women financially. Virtual meetings have become the norm in our professional and social lives, and it’s having bigger...

23rd December 2021

Why more women are investing in income protection – and you should, too

Since the pandemic began, growing numbers of women have been buying policies that will pay out during long-term sickness or unemployment. This is a wise move. Everyone knows they need to insure...

23rd December 2021

How the self-employed can work towards a bright financial future

With an uncertain income and no employer pension contributions, self-employment can make it hard to plan for retirement. But the flexibility it offers has advantages, too. When it comes to long-term finances...

23rd December 2021

What can golf success teach you about tax planning

There are more parallels than you might first imagine – and for both, it’s critical to take expert advice to guide you, improve your skills and help you achieve long-term success Golf...

23rd December 2021

Meeting your long-term retirement goals: the power of visualisation

It can be difficult to find the motivation to save and invest for retirement, but visualisation techniques used by elite athletes can help. There are few certainties in life, but one thing...

Events

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6th June 2022

‘Earn It, Keep It, Grow It’ financial education webinars for children

A webinar for your children to learn about money and how it works! We would like to invite you to attend our ‘Earn It, Keep It, Grow it’ events for children, where...

23rd May 2022

Webinar about Inheritance ‘Keeping it in the Family’

This client webinar is designed to help your clients strategically manage their wealth to maximise the amount their beneficiaries gain.

6th May 2022

Castell’s Charity Cycle

An elite team at Castell Wealth Management is off to a new sportive challenge in May 2022. The team will be cycling some rewarding climbs and thrilling descents along the beautiful hills of Tuscany and its Chianti region for an intense 6-day ride.

2nd December 2021

Christmas Wine Tasting Event

We are inviting clients and guests to a wine tasting event comparing English sparkling wine grown and produced in Norfolk, and Italian wine produced in Pordenone, Italy.

22nd October 2021

Business Breakfast – The Castell Ecosystem

We will be discussing business exits and the personal taxation rules surrounding shares held as part of IPO’s and business sales. 

16th September 2021

Centurion Golf Club – Charity Golf Day

We are hosting a charity golf day at one of the UK’s premier golf courses in aid of the St. James’s Place Foundation.

25th November 2021

E.J. Churchill – Simon Weston Testimonial Clay Pigeon Shoot Day

We are proud sponsors of the Simon Weston Testimonial fundraiser at the West Wycombe Estate in Buckinghamshire.

29th September 2021

Brockett Hall – Client & Guest Golf Day

We are hosting a golf day at The Melbourne Club followed by a team golf competition and a late lunch BBQ

29th August 2021

Financial Wellbeing In A World Worth Living In – The Convoy Community

Castell are proud to host the Convoy Community in the above event, co-hosted by James Lindley & Stacey Presly.

21st July 2021

Financial Wellbeing In A World Worth Living In – The Next Generation Insurance Network

The team at NGIN will be discussing ESG and sustainable investing, digital currency and the future of investing and the foundations of financial wellbeing.