BSG Financial Solutions

Planning on leaving your ISA to a loved one? Here’s what you need to know If you’re thinking about how your savings could help your family after you’re gone, it’s important to understand the rules around inheriting ISAs. While anyone can inherit your ISA funds, only a spouse or civil partner can retain the tax advantages through an Additional Permitted Subscription (APS). This extra allowance helps ensure your savings continue to grow tax-free in their hands. Find out how ISA inheritance works, who qualifies, and what steps to take to protect your legacy: https://lnkd.in/eAHgSQmM #FinancialPlanning #ISA #Inheritance #WealthManagement #EstatePlanning #BSGFinancialSolutions

Hertfordshire’s: What Good Growth means for local families and businesses The new PWC Good Growth for Cities 2025 report shows Hertfordshire holding steady in the national rankings (14/38) with a score of 0.37. The county is not falling behind, but we’re not seeing the leaps forward achieved by neighbouring regions like Oxfordshire or Gloucestershire either. For local residents and businesses, this means growth still feels uneven. What people value most is also shifting. The report highlights that financial factors like income are becoming less dominant, while housing affordability, transport, skills, and thriving high streets are now front and centre. These are the issues we see our clients grappling with daily—whether it’s young families trying to get on the property ladder in St Albans, commuters balancing rising travel costs, or business owners adapting to high street challenges. For us as advisers, the message is clear: in a slower growth environment, personal financial planning matters more than ever. Careful mortgage decisions, forward planning for education, business protection, and diversified investments all help households and companies stay resilient in uncertain times. Hertfordshire has strong assets—its proximity to London, a diverse economy, and established sectors like life sciences and digital. But growth is only meaningful if people feel it. With smart local strategies and thoughtful financial planning, our communities can not only keep pace but thrive. https://lnkd.in/eiSkxUTd

Follow for insights most business owners wish they'd known sooner

Most business owners assume they'll have time to plan their exit. Most leave it too late. A partner dies without a shareholder agreement. A founder retires without a clear handover. A family business reaches the next generation without ever discussing who takes over. These aren't unusual situations. The businesses that transition well aren't the ones that planned at the last minute. They're the ones that started the conversation years before it mattered. Succession planning doesn't feel urgent. That's exactly why it gets put off

Planning insights most business owners wish they'd had sooner

Planning insights most business owners wish they'd had sooner