We are delighted to enclose our summary of the key announcements in the Budget 2023 statement, made on Wednesday 15th March.

Following what has been one of the most challenging years for investors, the focus remains on the path of inflation and how sharply economic growth falls during 2023. We look at these key factors, together with other issues which may impact markets this year.

After several months of economic and political uncertainty the new chancellor, Jeremy Hunt, has delivered his autumn statement. With announcements relating to energy bills, Income Tax, the State Pension, tax allowances, and Stamp Duty, there are plenty of ways your finances could be affected in 2023 and beyond. Attached is a breakdown of the budget including highlights and what this means for you.

Financial Viewpoint Autumn Newsletter

Kwasi Kwarteng’s first set piece as Chancellor of the Exchequer was never going to be easy, even before the 0.5% increase in interest rates the day before. The attached newsletter, gives you a comprehensive breakdown of everything released.

Chancellor of the Exchequer, Rishi Sunak, delivered his 2022 Spring Statement on 23 March, confirming implementation of the politically contentious 1.25 percentage-point rise in most National Insurance contributions, though with revised thresholds to mitigate the impact. He declared that his overall plan "builds a stronger, more secure economy for the United Kingdom.” The fiscal update included a number of specific measures and a new ‘Tax Plan’ which the Chancellor said would help families with the cost-of-living squeeze. Mr Sunak said, “People should know that we will stand by them, as we have throughout the last two years.”

A variety of articles we hope you find of interest.

In this edition we report on why the self-employed should be cautious during tax return time, why the supply crisis is affecting new homes, how those accessing their pensions can benefit from guidance – and more.

In this edition we explore the rising popularity of equity release, ways to beat inflation, when interest rates could rise, what your rights are when it comes to bank fraud, and more.

In this edition we cover the latest on mortgage rates, how the Junior ISA is now 10 years old, changes affecting those looking to access their pension fund at 55 – and more.

We are delighted to attach our Tax Tables for 2022/23, updated to include announcements made in the Autumn Budget and Spending Review on 27 October 2021.

Chancellor Rishi Sunak used the Autumn Budget 2021 to outline the government’s plans for post pandemic, post Brexit Britain. Investing taxpayer money in long-term plans will, he believes, secure the economic future of the country. Everything from the NHS, schools, local transport and the culture and leisure sector appear set to benefit from the better-than-expected economic outlook from the Office for Budget Responsibility. But immediate changes to improve the finances of households and businesses increasingly worried about rising costs over the next 12 months were thin on the ground.

In this edition, we look at the impact of the end of the furlough support scheme, what a rise in interest rates could do for people’s savings, how much annual income you’re likely to need for a comfortable retirement – and much more.

In this first edition of Talking Points, we look at the rising cost of transferring your pension, why you could think about locking in a low mortgage rate deal, the effects of the rise in energy bills – and more

Our latest newsletter with a selection of articles we hope you find interesting.

With the vaccine rollout gathering pace and the roadmap set out for the easing of current lockdown restrictions, there appears to be some light at the end of the tunnel. With this in mind, we hope you and your close ones are staying same. Our latest Investor update is attached for your information.

The latest tax thresholds rates for you information

We are delighted to enclose our summary of the key announcements in the Budget 2021 statement, made on Wednesday 3 March.

We are delighted to attach our Tax Tables for the 2020/21 and 2021/22 tax years, updated for announcements made in the Budget on 3 March 2021.

Rishi Sunak has had to make some tough decisions as he balances tackling the health crisis, securing an economic recovery and looking ahead to fixing the public finances.

The latest update regarding the financial support available for business, employees and self employed.

Across various measures of value, the UK stock market looks inexpensive. With the stage set for an economic recovery, there are lots of attractive investment opportunities for active stock pickers.

Please find attached our latest Viewpoint Newsletter with a selection of articles - • Don’t fall for a financial scam • Home insurance - buildings v contents cover • Retirement and risk – striking a balance • Business protection – you need it more than ever • Happy 21st to the ISA • It’s time to talk

Please find attached our latest guide which provides a broad outline of inheritance tax (IHT) and the various aspects involved in estate planning.

Please find our latest Viewpoint Newsletter with a selection of articles. * 2020 The story so far * Tax-efficient investing across the ages * Spreading the risk * The importance of life cover for carers

The UK’s newspapers have recently been filled with headlines flagging the economy’s decent into recession. Recession – in which a country’s economic output falls – are typically associated with rising unemployment, business closures and a decline in longterm investment. In short, economic recessions have few – if any – redeeming features. To be clear, the UK is not alone in this: the US, Europe, Japan, and even China’s mighty economic growth engine have all contracted in recent months.

US shares have led the markets following the correction that started in February and continued into March. Here, Omnis’ Chief Investment Officer, Toni Meadows, explains some of the reasons behind this.

Latest Update 8th July 2020

Latest update 8th July 2020

Latest update 8th July 2020

Latest update 8th July 2020

Latest update 8th July 2020

UK-based in UK-based investments have generally underperformed their overseas equivalents in recent months. This leaves them unloved, potentially undervalued and in need of good news. In his article Toni Meadows, Chief Investment Officer at Omnis Investments examines the two main reasons for the UK’s poor performance and whether they deserve to be included in a global portfolio.

With the UK in the middle of the coronavirus outbreak, many small and medium-sized businesses are already feeling its effects. This is unlikely to be any different for your own businesses and your business clients. We hope you find the latest updates of interest

Update - Regulatory support for individuals for consumer credit.

Latest Update - UK Government Financial Support Packages

Latest update - UK Government Financial Support Packages

Latest update on the UK Government Financial Support Packages June 2020

Latest update - Coronavirus Business Interruption Loan Scheme (CBILS)

Latest update on the Coronavirus Bounce Back Loan Scheme (CBBLS)

This scheme is being extended. If you’re eligible for the second and final grant, and your business has been adversely affected on or after 14 July 2020 you’ll be able to make a claim in August 2020. You can claim for the second grant even if you did not make a claim for the first grant. If you are eligible for the first grant and have not applied yet, you must do so on or before 13 July.

Latest update from the Coronavirus Job Retention Scheme.

The emergence of the coronavirus at the start of the year and its subsequent spread around the world caused significant alarm, both in terms of the potential human cost and the impact on the global economy from the measures required to contain it. Stock markets reacted by dropping at the sharpest rate on record. We hope you find the latest update of interest.

An updated version of the Coronavirus Job Retention Scheme as of 12th May 2020

The latest update on the Coronavirus Business Interruption Loan Scheme from the Government.

With the UK in the middle of the coronavirus outbreak, many small and medium-sized businesses are already feeling the effects. This is unlikely to be any different for your own business and your business clients. I hope the enclosed update from the Government is of interest.

If you are a small company director the following provides a summary of the UK Government financial support packages that may apply to you.

If your are self employed, the following provides a summary of the UK Government financial support packages that may apply to you.

On Thursday 26 March, the Chancellor announced a further financial support package for the UK economy to get through the Covid-19 pandemic. This time aimed at the self-employed

If you are employed, the following provides a summary of the UK Government financial support packages that may apply to you.

On Monday 4th May, the Government's new Coronavirus Bounce Bank Loan Scheme launched in response to the feedback that the Coronavirus Business Interruption Loan Scheme was less accessible for small business than the Government had intended. This has been updated on 13th May 2020. We hope this guide will help you.

Our latest newsletter with a selection of articles we hope you find of interest.

Openwork Daily Investor Update 7th May 2020

Market Update for the week up to 24th April 2020

Our latest market update.

Daily Market update

Please find attached updated flow charts that may be of interest

Please find attached updated flow charts that may be of interest

Please find attached updated flow charts that may be of interest.

These are difficult times for us all. In different ways, we are all affected as individuals by the global impact of COVID19 and it is stressful and concerning for everybody. We hope that you and those close to you are healthy and safe. Times like these are a stark reminder of what is most important and taking care of the well-being of our families and our community is our shared and first priority. We want to give you support through this period and to start by looking at the impact of financial markets and what that means for you. The following communication released by the Chief Investment Officer at Omnis Investments Ltd, provides some perspective of what is happening and how we can manage it:

Investor Update 31st March 2020

In this difficult time, we hope that you and your family are all well and managing through this extraordinary and tough period. The Openwork Investment Committee met yesterday (Tuesday 24 March) and we would like to reassure you that while your investment values are likely to have fallen in the short-term, we are confident that all processes are being followed correctly.

A summary of this years budget

Quarter One 2020 Newsletter

November General Newsletter

Financial Viewpoint - Autumn Newsletter

Whether your buying your first home, becoming a parent for the first time, investing for the future, or about to retire, a carefully thought-through financial plan can make a positive difference. The guide explores how we can help you whatever stage in life you're at.