Category: All News

The flexibility to decide on your pension investments at all times If you want to be more in control of your own pension fund and have the flexibility to make your own investment decisions for retirement, a Self-Invested Personal Pension (SIPP) could be one option to discuss with us. Although SIPPs are more sophisticated vehicles… Continue reading Investing for retirement

Don’t miss these deadlines The deadline for submitting your 2008/09 tax return by post is 31 October 2009  Returns filed manually after this date will result in a £100 fine. Paper returns must reach HM Revenue & Customs (HMRC) by this date so that it can calculate the tax you owe before the 31 January… Continue reading Dates for your diary

Taking advantage of the increased savings allowance If you are considering your Individual Savings Account (ISA) options, the good news is that the permitted contribution allowance will be extended for investors over the age of 50 from 6 October this year. If you are under the age of 50 you will also be able to… Continue reading Tax-efficient wealth creation

With careful planning, a variety of savers could put offshore investments to good use For the appropriate investor looking to achieve capital security, growth or income, there are a number of advantages to investing offshore, particularly with regards to utilising the tax deferral benefits. You can defer paying tax for the lifetime of the investment,… Continue reading Investing offshore

Reducing the risk of acquiring wealth If you require your money to provide the potential for capital growth or income, or a combination of both, provided you are willing to accept an element of risk pooled investments could just be the solution you are looking for. A pooled investment allows you to invest in a… Continue reading Safety in numbers

Make sure that your numbers add up School fees planning is something that requires a great deal of early thought and preparation. The earlier you start planning, the greater the potential to benefit from investment gains and the greater the choice available about how you can invest in your child’s future education. Having decided to… Continue reading Investing in your child’s education

Navigating through the minefield of choices If you’re thinking of retiring soon, we can help you navigate through the minefield of choices that you are likely to face and ensure that you receive the pension and other benefits you are entitled to. You may be entitled to a basic State Pension (and an additional State… Continue reading Thinking of retiring soon?

Don’t miss out on the extra tax relief available this year Research from Unbiased.co.uk, has found that UK workers in company pension schemes are missing out on huge sums by neglecting to save more tax-efficiently. As a result, higher-rate taxpayers, who are members of their employers’ occupational pension schemes will miss out on an extra… Continue reading UK workers neglect to save more tax- efficiently

Now is a great time to discuss your problem with us The fall in the value of assets such as shares, buy-to-let properties and holiday homes to their lowest levels in years, combined with a historically low capital gains tax rate, may be prompting more and more taxpayers to give away surplus assets to minimise… Continue reading Tackling a potential IHT issue

Assets Generally, everything that you own. Beneficiary A person, or organisation, to whom you leave a gift in your will. Estate The total sum of your possessions, including property and money, left at your death once any debts have been paid. Inheritance tax (IHT) The 40 per cent tax paid on an estate that is over the nil-rate… Continue reading Inheritance tax glossary… the basics