Category Archives: Pensions

Budget – November 2017

There were all kinds of fears for this budget in terms potential tinkering with pensions and trying to squeeze more tax revenue from the UK. However, it turned out to be a fairly uneventful and benign budget (thankfully). Below is … Continue reading

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Advice Triggers! – Part 1 – Retirement

There are certain trigger points in everyone’s life where financial planning is particularly useful. I will be exploring each of these in turn. The first trigger point I will be looking at is retirement. What is retirement? Retirement means different things … Continue reading

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Why should you pay for a plan?

Traditionally financial advice was paid for via commission. The adviser would provide the advice for ‘free’ on the basis that the commission from any financial products set up would pay for the advice. Obviously this isn’t ‘free’ advice, it just defers … Continue reading

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Final Salary Transfers – should I stay or should I go?

Final salary transfers are a hot topic at the moment. With Cash Equivalent Transfer Values (CETV’s) at historically high levels, interest from everyone is high. Members of final salary schemes are (understandably) interested in swapping a future income for a … Continue reading

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The Autumn Statement

There was the usual amount of speculation prior to this year’s Autumn Statement. In the end, there was actually no major overhauls of pensions or tax. Below are what I feel are the key points… Reduced Money Purchase Allowance For those … Continue reading

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All Change in Pensions… (Again)

Pensions are once again changing. There has been many changes to pensions made in the last few years. Most of these have been aimed at increasing the tax take that the treasury can yield from pensions. One of the strategies that has … Continue reading

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Budget 2015 – A financial planning point of view…

Once again, it’s budget time and, as ever, it gives us both expected and unexpected changes to the legislative landscape; with the added element of an imminent election. Below are some of the key points from a financial planning point … Continue reading

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What value does a good financial planner add?

Is it worth paying a financial planner or wealth manager a fee to provide investment advice? What value do they add for this fee? Is it in excess of their charges? These are exactly the type of questions that a … Continue reading

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So you’ve sold your business – now what?

You’ve spent years building a successful business and you’ve finally completed the sale. It took MANY months to get to this stage but you now have your millions, what do you do next? For many, this is the question that … Continue reading

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