Retirement


Yet more pension changes!


Next April the amount of pension scheme savings you are allowed to amass (excluding State entitlements) before they become subject to penal tax rates of up to 55% is set to reduce yet again.  This limit is known as the Lifetime Allowance. Initially this limit was set at £1.8m and has reduced to its present […]

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Pension Liberation?


Despite a number of announcements dealing with tax evasion and avoidance in the 2013 Budget, the Government does not appear to have taken any steps to combat the growing number of pension liberation cases. Andrew Tully, pensions technical director at MGM Advantage said: ‘This appears to be a missed opportunity to clamp down on pension liberation schemes […]

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Get Ready for Changes to Financial Advice


In Swindells Financial Planning’s recent article we provide you with Your Guide to Changes in Financial  Services.  In just a matter of days these changes will come into effect. At Swindells Financial Planning, of Seaford & Uckfield, Sussex, we believe in independent advice for all clients because we believe it is the only way to put your […]

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The Pitfalls of Auto-Enrolment


On the 1st October 2012 the first round of employees will be automatically enrolled into qualifying workplace pension schemes or the Government back NEST (National Employment Savings Trust). Auto-enrolment has started with the UK’s largest employers with gradually smaller and smaller firms following suit over the coming months. Whilst ensuring people save towards their retirement […]

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The Annuity Purchase Decision


When looking to secure a retirement income via an annuity, many people face the difficult task in deciding when and how to arrange this.  Should it be taken immediately or is waiting a few years hoping for a higher income in the future the right decision? Swindells Financial Planning, based in Seaford & Uckfield, Sussex, […]

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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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