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Welcome to our first edition for 2021. In a year of renewal, hopefully we’ll see a world that is steadily return-ing to normal, while also rapidly accelerating into a transformed future.

Although lockdown restrictions have eased in some areas, the coronavirus (COVID-19) pandemic will con-tinue to impact on our lives in many ways. Where will we be in six months, a year, ten years from now? One thing is certain, COVID-19 has reshaped all of our futures.

This global pandemic created overwhelming anxiety. Many people are anxious not just about the virus, but the resulting financial pressure and uncertainty. Getting our financial life in order will be a top priority for many as we enter 2021. On page 06 we focus on two key areas: goals related to being prepared for the un-expected this year, and those related to what you want to be different at the end of the year.

There are many ways that you can save or invest. Individual Savings Accounts (ISAs) are an incredibly effective means of shielding your money from both Capital Gains Tax and Income Tax. To utilise your ISA allowance, you should make use of it before the deadline at midnight on Monday 5 April 2021. The date marks the end of the 2020/21 tax year. Read the full article on page 08.

We hope you enjoy our latest issue!

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