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If your unsure on how we could help you, or just looking for a little help, leave your details and one of the team will call you back for a quick, informal chat.
Home > Investment Advice > What Is An ISA
If you are looking for a better way to save, ISAs are a sensible option. There are different types of ISA to help you save or invest, depending on your goals. It’s important to consider all the benefits of each product and seek independent advice if you’re unsure.
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All ISAs allow you to save and invest without paying UK income or capital gains tax.
While most savers won’t pay tax on interest in regular bank or building society savings accounts, if you have a sizeable savings pot, ISAs could potentially save you quite a lot in tax.
Tax rules can change and benefits depend on individual circumstances.
*This example assumes an individual has fully used their personal allowance and none of the interest falls within the starting rate for savings.
You can move your ISAs to a new provider as often as you like, and whenever you want. The best part is, transferring doesn’t count towards your ISA allowance (although if transferring to a Lifetime ISA it may count towards your Lifetime ISA allowance). You can also move between types of ISA, for example if you’d like to transfer your Cash ISA to a Stocks and Shares ISA. Just remember that if you have a fixed rate Cash ISA and you transfer it before the fixed term ends, you may have to pay a penalty.
Our stocks and shares ISA assessment will give you a thorough understanding of how your current investments are performing, ﬁnd out your individual circumstances and investigate if there are more suitable products for you on the market.
We’re committed to going the extra mile, holding your needs and requirements at the centre of our trusted advice. Everybody is different, and the financial advice we deliver reflects that. Our professional advice is always relevant, personalised and tailored to you.
Even after you’ve done your research, you’ll probably still have some questions. Why not give one of our friendly team a call and explore whether financial planning advice might be right for you.
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Convenience – You can talk to your adviser when you are at home, on a lunch break or commuting to work.
More Secure – We record all calls, and they’re logged and compliant to FCA standards. Face-to-face appointments aren’t, so there could be more opportunity to be misadvised.
In Your Own Time – We work at a time that suits you. You don’t have to wait around if we’re stuck in traffic or late to the booked appointment.
Efficient Process – With efficient telephone conversations, we can keep the impact on your busy daily life at a minimum.
Accessible – Your financial adviser is more accessible through a telephone meeting than booking a specific face-to-face appointment, weeks in advance.
Tax treatment depends on the individual circumstances of each client and may be subject to change in future.
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