Welcome to our latest edition.

In this new year edition, the start of 2019 is the optimum time when you may be thinking about resolutions and plans for the year ahead and beyond. It’s a good time to start planning our tax affairs before the end of the tax year on 5 April. And as you think about 2019 and your goals for the new year, we’ll help to start you off on the right financial footing.

As part of our continuing look at tax-efficient saving and investing, on page 06, we shine a spotlight on some of the different options available. Whether you consider yourself a savvy investor or a financial novice – and no matter what, why or how you want to save and invest – an Individual Savings Account (ISA) could help make your money work harder for you.