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News & Events
Financial Markets Update - Second Quarter 2018
Mon 16th Jul 2018
As the second quarter came to an end, mining and banking stocks supported Britain’s top share index, with the FTSE100 enjoying its best quarter in five years. Following a turbulent last week, as trade concerns rumbled on, the blue-chip index ended June down 41.27 points at 7,636.93, a loss of just 0.54% on the month....
Onshore Investment Bonds: Tax Planning Opportunities
Thu 14th Jun 2018
Investment bonds are complex investment products. This blog looks in simplistic terms at some of the problems and solutions available both pre and post death. PRE-DEATH What are the planning opportunities for owners of investment bonds whilst they are still alive? Higher Rate Taxpayer – Sole Owner and Life Assured Pre-death, an individual owner/life assured...
Pension Death Benefits - What You Need To Know
Wed 21st Feb 2018
Introduction Pension freedoms have brought about many changes to the taxation and planning opportunities of pension death benefits. The rules are complex, and care must be taken to review your circumstances and options. Pensions are bit like apples. There are so many different varieties and some are better than others. This blog considers the rules...
How To Save Tax Efficiently
Wed 7th Feb 2018
The one thing about tax years is they end, every April. Something else ends with them – that year’s ISA allowance, all gone, forever. After all, the taxman doesn’t want you to have too much of a good thing. So why are ISAs such a good thing? It’s because you won’t pay any tax on...
DON'T LEAVE IT TOO LATE TO PLAN FOR YOUR RETIREMENT
Mon 29th Jan 2018
It’s estimated that people aged 45 to 54 spend more time planning their summer holidays than they do planning their pension*. However, if you want to be able to enjoy holidays in retirement, then you need to save enough now to be able to afford them. Make the most of pension contributions tax relief To...
Pension Relief at Source and Net Pay
Thu 11th Jan 2018
RELIEF AT SOURCE AND NET PAY: AVOIDING CONFUSION Original article by Bernadette Lewis (of Scottish Widows) with tables updated by Tom Hatley (of Christopher Little & Co) We explain the relief at source and net pay methods for giving tax relief when employee pension contributions are deducted from pay. There’s often confusion about the two...