Independent financial advice
in Nottingham & the East Midlands
If you are looking to invest a lump sum or save on a regular basis or for advice on your current investments and whether they could be improved and/or simplified, we can ensure you have the correct investment strategy and you are taking full benefit of tax opportunities available to you. 

You may want:

  • To invest in sensible, safe, secure, long-term and logical investments.
  • To be sure that you have invested in the right product for your needs.
  • To have investments in a simple format so you can see growth or income achieved.
  • To be able to discuss your investment options with us when you choose to do so.

You may also want us to administer your policy for you and make the necessary changes on your behalf in order to ensure that the investment is updated to the changing and current market conditions.  If you have more complicated investment issues we are happy to discuss all aspects with you.

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We are Independent Financial Advisers, this means that we can advise you to invest across a whole marketplace, with any provider and any type of appropriate type of investment.

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The true cost of University can be quite scary
- UK Universities currently charge up to £9,250 per year
- Accommodation costs are currently very roughly £5,250 per year outside of London
- Subsistence will probably cost a further £5,250 per year
So in reality about £19,750 per year.

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During a divorce, you will naturally seek advice from a solicitor but it is also a good idea to also seek advice from an Independent Financial Adviser as well, as there are lots of areas that will need to be discussed.

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Find out more about tax-free interest allowances and how these vary depending on whether you are a basic rate or higher rate taxpayer.

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We have recently seen a significant increase in interest in our ethical portfolios.  In today’s world of global awareness, such as climate change, ethical investments have embedded themselves into mainstream investing. 

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It is useful to find out more about Lifetime ISAs (LISA) and understand how much bonus is given to you directly by the state. This type of saving is ideal for first-time buyers and those planning to use during retirement.

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At Veracity, we ensure that all our clients have information about their investments laid out clearly for them to view at any time. This is an example of information we record.

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There are lots of different investment options to consider. However generally speaking the "Wrapper" around which the underlying investment will decide what you are trying to achieve.

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An investment trust is a public listed company, therefore it is a single company share traded on the London Stock Exchange and an investor becomes a shareholder.

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BPR was introduced as part of the 1976 Finance Act and was created to allow small businesses be passed down through generations without incurring an IHT liability.

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The government introduced Enterprise Investment Schemes in 1994 to encourage people to invest in smaller companies. Because of the additional risk associated with investing in these companies a number of tax benefits were also included.

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VCTs were set up by the government to support investment in UK smaller companies. By adding useful tax incentives, it was hoped that individuals would be encouraged to invest in some of the UK's most promising, entrepreneurial businesses.

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We always keep our clients up to date with any chargeable events. Chargeable events for an investment bond are triggered when one of the following events occur.

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Capital Gains Tax can be very complicated so we have put together an example of how to calculate a capital gain tax. This is shown below.

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We have put together some idea of what saving can produce depending on the amount you save and the length of time over which you save.  

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There are certain risks associated with the investment. We point out some of the major risks below which we would urge you to consider seriously before committing yourself to investing.

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