January may have felt long but it’s certainly not been boring, with plenty of political events to keep the newspapers full and our minds boggled!  

We are choosing to focus on the positives of 2024 and what we can look forward to in the months ahead. One stand-out win of 2024 was our success at the Biz4Biz Awards where we won Hertfordshire SME Business of the Year which celebrated our support in the local community.

In this edition, Michael talks us through what we can expect from markets this year in our market update. There is a reminder of what tax allowances are still available to use this tax year plus an insight on what to do with pensions now they are no longer exempt from IHT.

Sadly, after more than 26 years, we are saying goodbye to Karen as she retires. Further details on how you can join us to celebrate her retirement are inside.

As many of our readers already know ‘life begins at retirement!’ – Faye and Susie