Aventur Team

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Aventur started with a feeling we couldn’t ignore; that financial wellbeing shouldn’t be a luxury.&nbsp;We kept meeting people who were doing sensible things with their money - earning, saving and planning for the future, but still felt unsure whether everything was working together as it should. They weren’t careless. Weren’t disengaged. Just unclear.&nbsp;They weren’t looking for complex strategies or constant meetings. They just wanted to know: Am I on track? What should I focus on? What does “doing well” actually look like for me?&nbsp;Too often, these answers felt out of reach. Advice was expensive or intimidating, and information was everywhere but rarely joined up or easy to trust. And the system seemed built around products, not people.&nbsp;That didn’t sit right with us. &nbsp;<h2>What we believe &nbsp;</h2>We believe that financial wellbeing shouldn’t be reserved just for the wealthy or the confident. We believe clarity matters more than complexity. And we believe confidence grows over time, when you understand your money, not when you’re overwhelmed by it.&nbsp;That belief is what led us to build Aventur. &nbsp;<h2>How Aventur is different &nbsp;</h2>Aventur is designed to fit around real lives.&nbsp;Our technology uses the same thinking and prioritisation that professional advisers rely on, but without the meetings, spreadsheets or time commitment.&nbsp;&nbsp;When you just want to check whether you’re on track, a simple check-in gives you a clear sense of where you stand and what matters most right now.&nbsp;&nbsp;Expertise isn’t just layered on top, it’s embedded and built into the technology itself, so the guidance you see is personalised and shaped around your own circumstances, not just generic AI responses.&nbsp;&nbsp;And when you need more support, real advisers are there to help, so you’re never left choosing between technology and people. &nbsp;<h2>What Aventur does &nbsp;</h2><img class="image_resized" style="width:50%;" src="https://aventur-strapi-prod.s3.eu-west-2.amazonaws.com/New_App_Screens_Blog_fd7bc14fb7.png" alt="New App Screens Blog.png">&nbsp;Aventur’s financial wellbeing app is designed to help you understand your money more clearly and make better decisions over time.&nbsp;It brings your savings, investments, pensions and goals together into one simple view, so you can see how everything fits together.&nbsp;&nbsp;Instead of focusing on individual products, it helps you understand your overall financial health; where you’re doing well, where you might want to pay attention, and what next steps to take that could make a meaningful difference.&nbsp;Our guidance is there to support you, not pressure you, and everything is explained in plain language, so you always understand why something matters. &nbsp;<h2>Built with experience</h2>&nbsp;Aventur was created by Stacey Body and Thomas Young, who together have spent over 40 years working in financial services.&nbsp;They’ve seen first-hand how traditional advice can be expensive, complex and difficult to access - even for people who are doing the “right” things. That experience shaped how Aventur is built: transparent, supportive and designed around real people.&nbsp;Because money decisions matter, Aventur has been built and tested within a regulated environment, working closely with the Financial Conduct Authority. We’re also proud to be a certified B Corp, meaning we’re committed to making a positive impact. &nbsp;<h2>A clearer place to start</h2> Aventur isn’t about having all the answers. It’s about helping you feel clearer, calmer and more confident about your money, step by step.&nbsp;You don’t need to have everything figured out. You just need a better way to see where you stand.&nbsp;That’s the future we’re building - and we’re just getting started.

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Why We Built Aventur

Financial Planner

Samuel Back

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In a landmark moment for the UK's economic landscape, Chancellor Rachel Reeves has delivered her inaugural budget, bringing significant changes that could impact your financial planning and long-term goals.&nbsp; &nbsp;Some changes were expected, as we explored in our <a href="https://www.aventur.co.uk/blog/autumn-budget-2024-predictions">Autumn Budget predictions</a>, and some were more of a surprise. &nbsp;While the full details and impact of the budget are still unfolding, we've analysed and compiled the key policy announcements to explain their potential implications. &nbsp;<h2>Tax for Employees</h2> It was confirmed that in line with the manifesto promise, Labour will not raise any income tax or national insurance for employees. It was also confirmed that fuel duty was frozen, and the temporary 5p fuel duty was retained. &nbsp;Under the Tory government, personal tax thresholds were frozen until 2028 and it was confirmed that from 2028-29 personal tax thresholds will be uprated in line with inflation once again. &nbsp;<h2>Capital Gains Tax (CGT)</h2> It has long been suspected, and hinted at through the wording from the election onwards, that one of the taxes that would see a substantial rise was <a href="https://www.gov.uk/government/publications/changes-to-the-rates-of-capital-gains-tax/1cf25453-5b0c-4e7b-9165-65cf117e0af0">CGT</a>. &nbsp;The chancellor confirmed an increase in the rate paid by basic-rate taxpayers from 10% to 18% and from 20% to 24% for a higher/additional rate payer from 30th October. &nbsp;Example: If you held an investment that you had purchased for £100,000 that increased in value to £150,000, you would have a £50,000 gain. &nbsp;Individuals benefit from a capital gains allowance of £3,000, and therefore £47,000 of the gain would be subject to CGT. &nbsp;Under the previous rules, the tax on this would be £4,700 for a basic rate taxpayer or £9,400 for a higher/additional rate taxpayer. &nbsp;Following this rule change, the CGT liability would increase to £8,460 for a basic rate taxpayer or £11,280 for a higher/additional rate taxpayer. &nbsp;<h3>Potential financial planning solutions</h3> There are a number of potential planning ideas that could be utilised to mitigate CGT hikes: &nbsp;<ul><li>Timing of asset sales in line with wider plans &nbsp;</li><li>Making use of spousal allowances &nbsp;</li><li>Utilising tax-advantaged investment schemes &nbsp;</li></ul><h2>Pensions</h2><h3> Pension Tax Advantages</h3> It was pleasing to see that the tax-free cash entitlement of up to 25% was maintained and the speculation around the removal of higher rate tax relief on contributions turned out to be untrue. &nbsp;<h3>New Changes to State Pensions</h3> Basic and new state pension payments will go up by 4.1% next year as Labour have stuck to their commitment to maintain the "triple lock". This will see a full state pension entitlement increase to £11,975.60 annually, an increase of £473.<h3> Pensions and Inheritance Tax (IHT) Changes</h3> It was confirmed that pensions passed on will be subject to IHT from 2027. &nbsp;Most pensions are currently exempt from IHT and not classed as part of your estate when you die. This makes them under the previous rules, a particularly effective IHT planning vehicle. &nbsp;This is also coupled with an IHT threshold freeze until the next election. &nbsp;Example: &nbsp;This is potentially going substantially impact a lot of individuals across the UK. &nbsp;An example of a household impacted by this may be as follows: &nbsp;<ul><li>Home - £500,000 &nbsp;</li><li>Cash - £50,000 &nbsp;</li><li>Chattels - £25,000 &nbsp;</li><li>ISAs - £100,000 &nbsp;</li><li>Pensions - £500,000</li></ul> With pensions outside of the estate, there would be no IHT liability for this household assuming the family home is left to direct family members. &nbsp;As a result of the changes to the budget, the estimated impact would be an IHT bill of £70,000. &nbsp;<h3>Potential financial planning solutions</h3> There are a number of potential planning ideas that could be used in the above circumstance: &nbsp;<ul><li>Using comprehensive cashflow modelling to understand how much is ‘required capital’ and looking at how gifts can be made directly to family members &nbsp;</li><li>Looking at trust planning to reduce IHT &nbsp;</li><li>Considering Expression of Wishes and the planning opportunities for Pension &nbsp;</li><li>Death Benefit Trusts &nbsp;</li><li>Drawing monies from the pension and mitigating the resulting liability / continued IHT liability through tax-efficient investment structures &nbsp;</li><li>Taking monies from the pension scheme to fund insurance policies paid into trust &nbsp;</li></ul>The movement of pensions into the scope of IHT will undoubtedly impact the financial planning of many and will require changes to long-term financial plans. However, as shown above, there are a number of wealth management strategies that we will be able to utilise to mitigate this. &nbsp;<h2>Alternative Investment Market (AIM) shares</h2> For individuals wanting to mitigate IHT whilst retaining access to capital, especially for ISA funds, a common strategy was to invest the funds into AIM market shares, which often held a 100% exemption from IHT. As a result of the rule changes, these will now benefit from a reduced 50% discount. Whilst this remains worthwhile considering given that it takes the effective IHT rate from 40% to 20%, it certainly becomes less appealing. &nbsp;<h2>Business Asset Disposal Relief</h2> <a href="https://www.gov.uk/business-asset-disposal-relief">BADR</a> would be kept at £1m, and would remain at 10% this year, rising to 14% in April 2025 and 18% in 2026-27. For those selling businesses or liquidating their company, this could mean a potential increase in the tax liability of the business sale of £80,000.&nbsp;<h2>Continuation of VCT/EIS legislation</h2> Aventur's holistic financial planning service provides the opportunity to optimise tax advantages investments as Venture Capital Trusts (VCTs) and Enterprise Investment Schemes (EIS). &nbsp;These offer 30% tax relief on investments made and a whole host of other advantages from It was confirmed that these will remain in place until 2035. &nbsp;<h2>Private School Fees and VAT</h2>Somewhat controversially VAT is set to be introduced to private school fees from January 2025, meaning tuition and boarding fees at independent schools will be subject to a 20% VAT charge.&nbsp; For those affected, this additional expense will likely require adjustment to long-term financial plans. &nbsp;Further information about the VAT charge for Private School fees can be found <a href="https://educationhub.blog.gov.uk/2024/11/01/vat-private-schools-everything-you-need-to-know/">here</a>, with additional information likely to be released closer to the January deadline. &nbsp;<h2>Stamp Duty Increase</h2> Stamp Duty was announced to increase for second homes, from 2% to 5% from 31st October. Homes in the purchase process that are set to complete after this date will likely be subject to the new rates. Information around the new rates and who is likely to be affected can be accessed <a href="https://www.gov.uk/government/publications/stamp-duty-land-tax-increase-to-the-higher-rates-of-stamp-duty-land-tax-and-to-the-single-rate-payable-by-non-natural-persons/380cf2b3-cc05-4457-9624-224485c29fb5">here</a>. These budget announcements present both challenges and opportunities for more strategic wealth management. And while the impact of these announced changes may seem unsettling, informed planning could be the best defense for many.&nbsp; One thing is clear though, and that is that the budget's complexities will require truly personalised advice. Our team of financial experts are ready to:<ul><li>Analyse your specific financial situation</li><li>Develop tailored strategies</li><li>Mitigate potential tax impacts</li></ul> <a href="https://www.aventur.co.uk/contact">Get in touch today</a> to discuss your current financial plans or for more information about how the budget could affect your plans. &nbsp;<hr>*Information correct at the time of publishing. This article is provided for information purposes only and should not be taken as individual advice. Aventur is not responsible for the content of 3rd party websites.

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Autumn Budget Key Points: How Will your Finances be Affected?

Are you afraid to ask your parents about money? Money is a sensitive topic for many people, and it can be especially difficult to talk to your parents about it.&nbsp; But it's important to have these conversations. Especially as you get older and start taking on more financial responsibility. &nbsp;Read on to get our tips on how to talk to your parents about money! &nbsp;<h2>How to talk to your parents about money</h2> Some of our top tips to begin the conversation about money with your parents include: &nbsp;<ul><li>Choose the right time and place. Don't try to have this conversation when you're both stressed or tired. Pick a time when you can both relax and focus on the conversation. &nbsp;</li><li>Be honest and open. Don't sugar-coat your situation or try to hide anything. Your parents are more likely to be understanding if you're honest with them. &nbsp;</li><li>Be specific. Don't just mention that you're struggling financially. Tell your parents what your specific financial goals are and how you think they can help you achieve them.</li><li>&nbsp;</li><li>Be respectful. Remember that your parents may have different opinions than you. Be respectful of their opinions, even if you don't agree with them. &nbsp;</li><li>Be willing to listen. This is just as important as talking. Listen to your parents' concerns and try to see things from their perspective. &nbsp;</li></ul><h2>Specific financial topics you could discuss with your parents: &nbsp;</h2><ul><li>Your current financial situation. How much money do you make? How much debt do you have? What are your monthly expenses? &nbsp;</li><li>Your financial goals. What do you want to achieve financially? Do you want to buy a house? Save for retirement? Pay off your student loans? &nbsp;</li><li>How your parents can help you. Are they willing to help you pay for college? Give you a loan? Help you create a budget? &nbsp;</li><li>Their own financial situation. How much money do they have saved? Do they have any debt? What are their retirement plans? &nbsp;</li></ul>It's also important to remember that talking to your parents about money must not be a one-time conversation. It's something you should continue to do throughout your life. Especially as your financial situation changes. &nbsp;<h2>Extra tips for talking to your parents about money: &nbsp;</h2><ul><li>Start by asking them questions about their own financial experiences. This will help you understand their point of view. As well as helping them feel at ease discussing their finances with you. &nbsp;</li><li>Be prepared to answer their questions about your finances. They may want to know how much money you make, how much debt you have, and what your financial goals are. &nbsp;</li><li>Be open to compromise. It's unlikely that you and your parents will agree on everything about money. Be willing to compromise and find solutions that work for both of you. &nbsp;</li><li>Don't give up if the first conversation doesn't go well. Try again later or use a different approach. &nbsp;</li></ul><h2>What to do next &nbsp;</h2>If you're struggling to talk to your parents about money, there are a few resources that can help. You can talk to a financial advisor, a trusted friend or family member, or even a therapist.&nbsp; There are also many books and websites that offer advice on how to talk to your parents about money. If you're ready to set yourself some goals, check out our guide to <a href="https://www.aventur.co.uk/learn/how-to-set-smart-personal-financial-goals">setting SMART financial goals</a>. &nbsp;Talking to your parents about money is a big step, but it's one that can be very rewarding. By following these tips, you can make the conversation go more smoothly and get the support you need!

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