Retirement Planning


Pension freedom and choice


The new pension legislation announced in the 2014 Budget “freedom and choice” paved the way for a radically different approach to how most pension plans would be accessed and the last 2 years appear to confirm that for those with larger pension funds, annuities are being purchased and used far less frequently. But this freedom […]

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Pensions Lifetime Allowance Planning


A reduction in the Pensions Lifetime Allowance will be introduced on 5th April 2016. Pensions Lifetime Allowance is a limit on the value of pay-outs from pension schemes – whether lump sums or retirement income – that can be made without triggering an extra tax charge. 4 considerations to make for individuals who will be affected […]

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Retirement income – breaking the habit of a lifetime


Retirees could be wasting up to £16,100 of tax free allowances each year by taking their retirement income solely from their pension. And at the same time they could be reducing how much wealth could be left to their loved ones on death. The challenge is to undo a lifetime’s worth of hardwired retirement savings […]

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Pensions for inheritance tax planning


Earlier this year in our article ‘The Pensions revolution is coming‘ we informed you that from April 2015, pension savers will now have considerably more freedom and choice as to how they draw on their accumulated pension funds. Continuing our update, the Taxation of Pensions Bill 2014 was given Royal Assent on 17 December 2014, meaning that […]

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Truly Independent Financial Advice


One of the largest UK IFA networks, Sesame, has recently announced that it is removing all of its member financial adviser firms’ independent status.  All financial advisory firms that operate under the Sesame umbrella will now be offering their clients restricted advice. You may recall the financial advice industry underwent some significant changes at the […]

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Investment Management – Stop Monkeying Around!


In the world of investment management there is an idea that blind-folded monkeys throwing darts at pages of stock listings can select portfolios that will do just as well, if not better, than both the market and the average portfolio constructed by professional money managers. If this is true, why might it be the case? […]

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Review existing pensions


As we move through our working life, almost inevitably we can build up a collection of pensions from previous employers and self-employment, amounting to significant six figure sums, but do you need to take any specific action with these pensions? Too often, we see advice centred around simplifying and consolidating all your disparate arrangements, which […]

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Passing pensions down the generations


The obvious personal tax benefits of a personal pension (SIPP) are well known, income tax relief on contributions, tax-free growth inside the pension and the option to take 25% of the accumulated fund as a tax-free lump sum, but what about the Inheritance Tax benefits? Defined Contribution pensions (Personal pension/SIPP) can be passed to any […]

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Lasting Power of Attorney


What is a power of attorney? A power of attorney is a legal document that allows someone to make decisions for you, or act on your behalf, if you’re no longer able to or if you no longer want to make your own decisions. There are a number of reasons why you might need someone […]

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