Financial Advice
Understanding Salary Sacrifice: A Tax-Effective Way to Boost Pension Contributions
Are you looking for a way to save for retirement while also reducing your tax bill? Then salary sacrifice may be the answer for you.
April 11, 2023
It’s my mission to explain the sometimes complex world of financial services. Here are all my posts.
Choose by category, tag, date or title; these are all of the NazFinancial Blogs published so far.
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Tax Planning
7 Things to do Before the End of the Tax Year
As the end of the tax year approaches, it’s important for savers to take advantage of the various tax-saving opportunities that are available to them.
February 22, 2023
Financial News
Autumn Statement 2022: Impact on my Clients
My Take on the contents of the Autumn Statement (Nov 22) and how it will Impact my clients’ savings aspirations
November 18, 2022
Investments
ISA or Pension or Both: Which is the Better Investment?
ISA or Pension can be a difficult choice. This post explains the taxation, access and other differences to help you choose what’s best for your circumstances.
July 27, 2022
Tax Planning
5 Ways to Minimise Tax When You’re Retired
To minimise tax when you’re retired, it’s first important to understand what tax you do have to pay. Many people assume that their pension income,
June 15, 2022
Financial News
National Insurance Rise of 2022: What It Means to Your Personal Finances
National Insurance rose by 1.25%, from 12% to 13.25% on April 6th, 2022. This followed Chancellor Sunak’s Spring Statement. By starting it then, it applies
April 13, 2022
Inheritance Tax
THE IMPORTANCE OF WILLS and LASTING POWERS of ATTORNEY to YOUR PERSONAL FINANCES
Wills and Lasting Powers of Attorney (LPAs) are Key Tools in your Personal Finances. Understand their uses and differences.
March 22, 2022
Financial Advice
Review of Personal Finance in 2020
A review of personal finance in 2020? The temptation to move swiftly on is immense. As we move from a year we’d rather forget into an uncertain 2021, I’d like to pause for reflection before we do so. It’s always important to learn, and 2020 is no different. So, here’s my review of the year, as seen through the prism of my blogs.
December 10, 2020
Financial News
Budget 2018: What it Means for Savers
While mainstream media ponder whether austerity really has ended, here’s my take on what Budget 2018 means for savers. In short, ‘Spreadsheet Phil’ was
October 30, 2018
Inheritance Tax
6 Ways to Avoid Paying IHT Unnecessarily
Here’s a summary of six ways to avoid paying inheritance tax (IHT) unnecessarily. They’re legal (otherwise it’d be tax evasion) and commonly used. If you
August 30, 2018
Naz Miller
I'm Naz and I'm a Financial Adviser. Prior to working in private practice, I spent 34 years working at Lloyds Bank in Cambridge and surrounding areas. My work has always focused on helping clients achieve their long-term financial objectives.
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