Financial Planning

September 2017

Pension Freedoms

By |September 14th, 2017|

Will the new retirement rule of ‘no rules’ offer people a better financial future?
Following pension reforms, there are now more options for using your private pension pot. Since April 2015, some people over 55 have greater freedom in how they can access their pension pots – the money they’ve built up during their working life.
The […]

July 2017

Pensions revolution

By |July 28th, 2017|

Awareness and understanding amongst the public still remains low
6 April 2017 marked the anniversary of both the new State Pension and the new pension freedoms. These major overhauls have revolutionised the UK pensions landscape, but research from Aviva suggests work to improve pension saving is far from done as awareness and understanding amongst the public […]

March 2017

opening a new ISA in 2017

By |March 20th, 2017|

Five million over-50s looking to make their money work harder
Savers have had it extremely tough over many years now, and yet many still feel uncertain about making the switch to investing. This is largely because people don’t know quite where to start, and they are wary of the risk. However, people need to make their […]

Income investment strategies

By |March 13th, 2017|

Yield on equities and corporate bonds look understandably attractive
People are living longer. Simple demographics mean that supplementary income is no longer a luxury – it’s a necessity. Meanwhile, interest rates are at historic lows – even before you take account of inflation. So, relative to cash, the yield on equities and corporate bonds looks understandably […]

Safeguarding wealth for future generations

By |March 10th, 2017|

New Inheritance Tax rules apply from 6 April 2017
Unforeseen life events and circumstances can potentially impact your finances in a number of ways. We can help you to safeguard your wealth for future generations.
Although often in the news, Inheritance Tax (IHT) is still not widely understood. That’s worrying, because it affects thousands of families every […]

Don’t miss the ISA deadline

By |March 7th, 2017|

Time to take control over where your money is invested tax-efficiently
Each tax year, we are each given an annual Individual Savings Account (ISA) allowance. The ISA limit for 2016/17 is £15,240, rising to £20,000 in 2017/18. Anyone wishing to utilise their allowance should do so before the deadline at midnight on Wednesday 5 April 2017. The […]

February 2017

What are you planning for in 2017?

By |February 1st, 2017|

How to look forward to what you want to accomplish

When was the last time you wrote down your goals? More importantly, when was the last time you revisited them?

A new year can be seen as a fresh start and a marker to look forward to what you want to accomplish – personally, professionally and hopefully […]

January 2017

Sustainable investing

By |January 30th, 2017|

Strategies to meet some of the most pressing global challenges ahead
Sustainable investing has gathered momentum across the world in the past decade as investors look for financial returns while helping to achieve a positive impact on the world around them.
Long viewed as a niche asset class catering to wealthy individuals and institutions that wanted to […]

Money Purchase Annual Allowance

By |January 17th, 2017|

Reduction to prevent inappropriate double tax relief
Chancellor of the Exchequer, Philip Hammond, delivered his first and last Autumn Statement to Parliament on Wednesday 23 November 2016.
He announced that the Money Purchase Annual Allowance (MPAA), an annual amount individuals can contribute to defined contribution pensions after having previously accessed a pension flexibly, will be reduced from […]

November 2016

Tax relief and pensions

By |November 28th, 2016|

Annual and lifetime limits
Tax relief means some of your money that would have gone to the Government as tax goes into your pension instead. You can put as much as you want into your pension, but there are annual and lifetime limits on how much tax relief you get on your pension contributions.

Tax relief […]