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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More action less consultation please


The recent Financial Conduct Authority’s (FCA) long awaited final report into the asset management industry reinforced the evidence that we’ve known for some time; 1. Investments funds should compete on price, but clearly, they don’t, as the net profit margin of most asset management firms is still extraordinarily high (36%). 2. Paying a high price […]

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Hargreaves Lansdown v Vanguard (Who?)


Last month, Vanguard, announced that it is to offer UK investors a lower cost investment Platform, in a direct challenge to the incumbent behemoth Hargreaves Lansdown (HL). The immediate reaction was an 8% fall in the latter’s share price, as speculators pondered the demise of another Active-promoting financial services provider. Completely co-incidentally, the firm announced […]

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Do you really want to gift money to the taxman?


A recent survey* by Canada Life about inheritance tax (IHT) shows that wealthy Brits over the age of 45 are either ignoring estate planning solutions or they have forgotten about the benefits these can provide. Only 27% of those surveyed have taken financial advice on IHT planning despite all of them having a potential IHT […]

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Investment essentials


Back in August 2016, we encouraged you to watch a 12 part documentary featuring Robin Powell and Mark Hebner which included all of the key elements to become a better investor and less of a speculator. There is now an abridged and more succinct 16 minute version available (click on the image above) which still […]

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