Self Invested Personal Pension

8 reasons to transfer from a Final Salary Pension Scheme

Why would anyone consider giving up their ‘Rolls Royce’ Final Salary pension offering guaranteed, inflation-proofed income, which continues to pay to a spouse after your death? Wasn’t this the source of so many complaints and misselling scandals years ago? A good starting point would be to continue to assume it’s usually not in your best […]


Bringing clarity to your pension options

This week the Chancellor made yet another surprising announcement affecting pensions. This time it concerns the scrapping of the tax charge applied to some lump sums paid following death. For those who have a pension pot in access of £200K this announcement, along with the previous changes announced at the budget, are of significant importance. […]


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 […]


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 […]


Tips for Maximising the Tax Advantages of Pensions

Pensions are a tax-efficient way to save for retirement, but not everyone is aware how they can maximise the tax advantages pensions offer.  In this article Swindells Financial Planning, pension advice experts based in Seaford & Uckfield, Sussex describes four opportunities it is worth considering to make your pension provision work for you. The primary […]


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Navigating the care home system

What you need to know about looking for a care home Funding and sourcing Long Term Care is becoming a major concern not just for those about to require Long Term Care and navigating the pitfalls of the State system, but also for children forced into sourcing what they hope will be suitable care for […]

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Volatility in global stock markets

Here’s one final word on the recent volatility in Global stock markets. As always, Carl Richards put this into context with one of his graphics and a few words… Normal Can Feel Scary… Imagine being in a boat in the ocean on a very still day. No wind. No swell. The water is as flat […]

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Putting the current stock market decline in context

There’s no doubt hyperbolic headlines depicting the recent falls on the world’s financial markets are potentially anxiety-inducing. With the FTSE 100 Index falling to its lowest level since April 2017, the effect of the headlines is to promote a sense of uneasiness; we’re here to remind you that this shouldn’t be the case. Instead of […]

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Inheritance Tax is an avoidable tax

It is often said that Inheritance Tax is an avoidable tax, but many of us somehow fail to avoid it. Why is this? In our experience, clients’ failure to plan effectively is a result of the following perceived problems: Speed – How often will the thought of having to survive 7 years from the date […]

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