Changing Tax Landscape
TIME TO TAKE A DIFFERENT VIEW AND ORGANISE YOUR FINANCIAL AFFAIRS? Tax planning should enable you to arrange your affairs in ways that postpone or legally avoid taxes. No one likes to pay tax on their hard-earned money, so by employing effective tax planning strategies you could have more money to save and invest or […]
Pension Lifetime Allowance
HOW TO STAY WITHIN THE LIMIT TO AVOID A TAX CHARGE If you’ve been diligently saving into a pension throughout your working life, you should be entitled to feel confident about your retirement. But, unfortunately, the best savers sometimes find themselves inadvertently breaching their pension lifetime allowance (LTA) and being charged an additional tax that […]
Protect yourself from pension scams
UNDERSTANDING THE WARNING SIGNS TO KEEP YOUR MONEY SAFE Being online more means criminals have a greater opportunity to approach unsuspecting victims with their scams. Online scams can have a devastating financial and emotional impact on victims. Pension scammers are bombarding the public with scam calls, texts and emails and it can be easy to […]
‘It’s not what you earn, it’s what you keep’
THE POTENTIAL IMPACT TO YOUR EXPECTED RETIREMENT INCOME OVER TIME When you’re planning your retirement income, there are multiple factors to consider: how much you can expect from the State Pension, the value of the pensions you have accumulated in your working life, your projected outgoings and your potential later life expenses. One more factor […]
Pension boost
ARE YOU CLAIMING ALL OF THE GENEROUS TAX RELIEF YOU’RE ENTITLED TO? The unique combination of tax breaks and flexible access available to pensions make them a compelling choice when saving for retirement. One of the key benefits of saving into a pension rather than another type of savings or investment vehicle is the generous […]
Protecting family wealth
START PLANNING YOUR LEGACY TO MITIGATE OR REDUCE INHERITANCE TAX Inheritance Tax planning is a way of arranging your wealth with the various tax reliefs in mind so that your loved ones don’t pay more tax than they legally need to. If you’ve worked hard throughout your lifetime to grow your wealth, you may hope […]
Retirement planning journey
WHAT YOU NEED TO CONSIDER AT EVERY LIFE STAGE When you’re starting out working in your 20s, you may not be thinking about retirement in 40 years’ time. The same goes for your 30s, 40s and even 50s. There is always something on the horizon you could be saving for besides your retirement. No matter […]
Wealth preservation
HOW TO MINIMISE A CAPITAL GAINS TAX BILL The rules around Capital Gains Tax (CGT) are complex and they differ depending on your financial situation. It’s a complicated tax and, as a result, some people may get confused about how much they should expect to pay. WHAT IS CAPITAL GAINS TAX? Capital Gains Tax is […]
Retirement Clinic
ANSWERS TO THE MYTHS ABOUT YOUR PENSION QUESTIONS If you are approaching retirement age, it’s important to know your pension is going to finance your plans. Pension legislation is extremely complex and it’s not realistic to expect everyone to understand it completely. But, since we all hope to retire one day, it is important to […]
Conscientious Investor
INVESTING TODAY TO HELP MAKE A BETTER TOMORROW In a fast-changing world, sustainability is a growing concern for investors. Sustainable investing funds position investors to manage the risks associated with environmental, social and governance (ESG) factors, capture the opportunities and contribute to positive change. The tremendous toll of the coronavirus (COVID-19) pandemic crisis – on […]