Meet Emerald Fisk, a seasoned property investor and qualified mortgage adviser with a wealth of knowledge in the property and finance industry. Join Joel and Emerald in today's episode as they delve into the crucial topic of leveraging the right funding strategies to scale a property business successfully. Whether you're a novice looking to break into the market or a seasoned pro aiming to expand your portfolio, Emerald's expertise and insights are sure to provide valuable guidance on navigating the world of property investment.

Paul Davies, Partner of Ramsay & White, joins Joel to discuss securing £250m in lending for his clients and working with some of the top property professionals across the UK, covering investment and development.

Paul is a qualified mortgage advisor and portfolio landlord. He has a wealth of knowledge when it comes to scaling businesses and firsthand experience in building a successful property portfolio.

A Family Investment Company (FIC) is a purpose-built company designed to distribute and control family wealth. In today’s episode, Joel speaks with David Denton, Head of Technical at Quilter Cheviot, a discretionary investment management firm, to explore the details of a Family Investment Company.

We also discussed how changes in the budget from last October have brought estate planning into sharper focus. At a high level, we covered what FICs are, the types of clients who typically use them, and the rules regarding Inheritance Tax (IHT), along with the specific advantages FICs offer for IHT planning.

The conversation delved into whether FICs are a new phenomenon and the recent resurgence of interest in them. We examined how FICs interact with trusts, whether they compete with or complement one another, and discussed the practicalities of setting up an FIC, including who typically establishes them.

Additionally, we looked at the ability of FICs to hold property, the potential to convert existing companies into FICs, and best practices for managing investments within them.

In this episode, we delve into the world of Small Self-Administered Scheme (SSAS) pensions with the guest, Stephen McPhillips, Technical Sales Director at Dentons. Stephen brings a wealth of experience and expertise in the financial world, making him the perfect guide to unravel the intricacies of SSAS pensions.

Together, we explore the advantages and potential pitfalls of SSAS pensions, shedding light on how individuals can leverage this powerful tool for their retirement planning. Stephen's insights offer invaluable perspectives on maximising SSAS pensions to secure a financially stable future.

Whether you're a seasoned investor or someone new to the world of pensions, this episode is a must-listen for anyone seeking clarity on SSAS pensions.

For more information feel free to contact the team on [email protected]

The Chancellor has delivered the first Labour Budget since March 2010, and it brings some clarity and certainty following many weeks of speculation. In this episode we look at the announcements around Capital Gains Tax, Inheritance Tax, Pensions, Stamp Duty Land Tax, Non-Dom status and Income Tax & National Insurance.

If you would like to discuss how these changes impact you, get in touch and we can talk through your options with you. Contact us on [email protected]

In this episode of the Ramsay & White podcast, we explore essential steps to prepare your finances for retirement. We’ll cover how to locate and consolidate pensions, estimate their value, and access state pension forecasts. You’ll also learn about assessing other investments, creating a realistic retirement budget, and decoding the choices that impact your retirement lifestyle. Whether you're navigating complex pension rules or planning for long-term financial security, this episode provides actionable insights to help you retire confidently.

Join us to ensure your retirement plan is on track, and discover strategies to make the most of your pensions and investments for a comfortable future.

In this episode of the Ramsay & White podcast, we dive into practical strategies to grow your pension pot and optimise your retirement savings. Join us as we cover key topics, including maximising annual allowances, securing extra savings through tax relief, and leveraging workplace and bonus sacrifices to boost your pension contributions. We'll discuss the benefits of optimising your tax-free personal allowance, maintaining child benefit entitlements, and choosing the right investment options to align with your risk profile. Whether you're early in your career or approaching retirement, this episode offers actionable advice to make the most of your pension and secure a prosperous financial future.

Tune in to discover how Ramsay & White can support your journey to a bigger, more robust pension pot!

What is Financial Planning and why it's so important!

Welcome to the Ramsay & White Wealth Management Podcast hosted by Joel White, Founder and Group Managing Director.