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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What should investors make of bitcoin mania?


Bitcoin and other cryptocurrencies are receiving intense media coverage, prompting many investors to wonder whether these new types of electronic money deserve a place in their portfolios. Cryptocurrencies such as bitcoin emerged only in the past decade. Unlike traditional money, no paper notes or metal coins are involved. No central bank issues the currency, and […]

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8 Key Questions for the Long Term Investor


Focusing on what you can control can lead to a better investment experience. Whether you’ve been investing for decades or are just getting started, at some point on your investment journey you’ll likely ask yourself some of the questions below. Trying to answer these questions may be intimidating, but know that you’re not alone. We […]

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Planning for Long Term Care


In our experience, planning and funding for the payment of Long Term Care sits high on peoples lists of concerns and priorities. We had the recent furore regarding the so called Dementia Tax, alongside the ongoing confusion about assessment and eligibility for the State’s (NHS) Continuing Health Care funding. Finally, we are often asked about […]

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Worried about the Pension Lifetime Allowance?


What is The Lifetime Allowance? Since its peak of £1.8m in the 2011/12 tax year and three subsequent reductions since then to its current £1m level, the Pension Lifetime Allowance (The Lifetime Allowance (LTA) is a limit on the amount of pension benefit that can be drawn from pension schemes – whether lump sums or […]

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