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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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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Gifting funds


3 things to remember if you’re planning on gifting funds You may be familiar with the expression “it’s better to gift with a warm hand than a cold hand” i.e. make gifts during your lifetime and gifting can form an essential part of Inheritance Tax planning. We’ve identified 3 key points with gifting that many […]

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Headline Blues


It’s a tough gig being a financial media pundit whose job requires making eye-grabbing calls on the outcomes of major world events. But at least the pundits rarely have to deal with the consequences of their bad predictions. From the Brexit referendum, to the US presidential vote to general elections in Australia, the Netherlands, France […]

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