Tax Planning


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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Inheritance Tax Planning Options


The Office of National Statistics has reported that Inheritance Tax (IHT) paid to the Government rose by 8% last year, largely driven by the recent recovery in property prices.  With the nil rate band (value of assets upon which IHT is charged at 0%) frozen at £325,000 until at least 2018 this should ring warning […]

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An Enlightening Financial Planning Process


What is the difference between telling you that you can spend extra funds holidaying now, or that you can afford to stop working earlier than anticipated or that you could afford to gift funds to your grandchildren now and showing you that these objectives are achievable? They say that a picture paints a thousand words.  […]

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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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Trusts & Estate Planning, Finding The Right Solution


Family wealth preservation is not solely about ensuring that children do not lose out on 40% of the intended bequest – after all, the Revenue has already had a slice of this money, so why give them anymore? It can also mean having the funds available to deal with the following, very real, lifestyle issues […]

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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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