Is your business properly protected?

Have you ever stopped to think about what might happen to your business if you lost one of your key members of staff? You might already have insured your premises, equipment, and stock, but what about the people who play the biggest part in your organisation’s success?  For example, if your best salesperson became critically […]

An image of Bitcoin.

Cryptocurrency – the basics

The internet has spawned many ‘things’ since its invention – for better or for worse. While cryptocurrencies have garnered a lot of attention in the past few years, crypto” as it is often referred, was actually first conceived back in 2009.  You have probably heard of Bitcoin. If someone had invested $1000 in Bitcoin back […]

Cave’s Quarterly – Q3 2021 Round-Up

Please click the link below to view the latest edition of Cave’s Quarterly, where we take a look at global equity, commercial property, and offer an outlook for what could be a challenging fourth quarter for investors. Click here to view Cave’s Quarterly Q3 Round-up

The intergenerational wealth transfer – how to plan for it

There comes a time in our lives when we turn our thoughts to what we want to leave behind for our loved ones. The Kings Court Trust estimates that more than £5 trillion will be passed down over the next 20-30 years. Unfortunately, HMRC can become the largest benefactor. In 2019/20, HMRC collected over £5.2 […]

Why Is Protecting Your Income So Important?

Income protection is a valuable insurance that is often overlooked or dismissed by clients. This insurance pays out a monthly benefit based on your earnings (typically up to 60% of your gross income) if you are unable to work through illness or injury for a prolonged period of time. This type of cover is different […]

Investing – Property Vs Stock Markets

When choosing to deploy a large sum of money, it is only right to question where is best to invest it. This year, there seems to be a never-ending list of financial ‘opportunities’, from ‘hot stocks’ to cryptocurrencies, gold to oil, and property to bonds. As the title suggests, this article focuses on two of […]

Thinking about investing for your child’s future?

Investing for your child’s future as early as possible is a great way of saving each year to build a sizeable amount in the long term, perhaps for further education or towards their first property purchase.  The Junior ISA (JISA) is a tax efficient way for parents and grandparents to save on behalf of children […]

Cave’s Quarterly – Q1 2021 Round-Up

It’s that time of the year again! There is a lot to discuss in this year’s first edition of Cave’s Quarterly, from promising vaccine news to the potential recovery of the commercial property market. Please click the link below to read the full feature. Read Cave’s Quarterly – Q1 2021

We are committed to the Financial Vulnerability Taskforce Charter

Although we do our best to avoid it, any of us can find ourselves being in a vulnerable position at some point in our lives. At Cave & Sons, we understand the responsibility we have to understand the wider issues of vulnerability, and are committed to adopting our best practices to better support vulnerable people […]

Budget 2021 – What it means for your investments and pensions

Businesses and individuals alike watched with bated breath to hear what Chancellor Rishi Sunak would announce to a) assist with the UK’s recovery and b) to reign in the ever-increasing debt as a result of the Government’s response to Covid-19 pandemic. Whilst I will not comment on the appropriateness of the announcements made in the […]