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Once upon a time, commercial air travel was one of the ultimate luxuries reserved for the rich, famous and powerful, primarily because of the expense involved in doing so. The world where that was true now feels like one from a very long time ago, with ever-advancing technology making flying cheaper and easier and the rise of budget airlines making catching a plane something that everyone can enjoy – or not, as the case may be. With flight delays and cancellations a common occurrence, heightened security measures leading to longer waiting times to board, and incidents such as the violent removal of a passenger from a United Airlines flight in April this year, commercial air travel has not only lost its glamour, but is now something many passengers are coming to dread.

By now, you’ll undoubtedly be aware of HMRC’s ‘Making Tax Digital’ (MTD) project. The aim of the project is to modernise the entire tax system by requiring all businesses to manage every element of their tax affairs online by 2020.

Despite the claims of Brexit and the debate on triggering Article 50, it is impossible to start this commentary anywhere other than in Washington where, on January 20th, Donald Trump was inaugurated as the 45th President of the United States.

It is remarkably difficult to find a news outlet that has a neutral view of ‘the Donald:’ however, we’ll do our best in this commentary to stick to the facts and let you form your own opinions…

The beginning of a new calendar year should serve as a timely reminder that we’re only three months away from the end of the current tax year. It might feel at the moment as though there’s plenty of time until the beginning of April, but ensuring you make use of the remaining months before they disappear is always a good idea. Here are our top four tips for ways to make the most of this tax year whilst you can.

As the end of the financial year draws ever closer, it’s important not to forget about any ISAs (Individual Savings Accounts) you have and any remaining payments that you’re allowed to make.

The maximum allowance for ISAs for the 2015/16 financial year is £15,240, so it’s important that you invest any funds that you have left to pay into your ISA as close to that amount as possible, as soon as you can.

Around 50% of us make a New Year’s Resolution to 'sort out the finances’ but for most of us it's more of a wish than a firm commitment to take action.

Looking at the January appointments we’ve had with wealth management clients here are the topics that we’ve discussed most often. If you’re determined to sort out your finances, these may give you some food for thought.