| Sections |
| - Budget/Goverment Review (3) |
| - Insurance (1) |
| - Investment (6) |
| - Pension (5) |
| - Tax Planning (3) |
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| Guide to Pension Transfers ( ) |
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Welcome to ‘A Guide to Pension Transfers’. Understanding whether you will benefit from a pension transfer can be very complex and you should always receive professional advice.
Everybody’s circumstances are different, so you won’t necessarily benefit from a pension transfer just because other people you know are transferring their pensions to new schemes. But there are situations where it does make financial sense to transfer your pension to a different plan. The information provided in our guide is based on the current legislation and rules. |
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| Guide to Inheritance Tax Planning ( ) |
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Welcome to ‘A Guide to Inheritance Tax Planning’. We all want to protect our wealth and help ensure our families are provided for when we die. Your wealth might encompass businesses, property and investments in the UK and abroad that require specialist considerations.
Inheritance Tax (IHT) also applies to your entire worldwide estate, including your savings, car, furniture and personal effects.
You should also consider all of your investments, pensions and life insurance policies and ensure that life polices are held in an appropriate trust so they do not add to the value of your estate. |
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| Guide to the retirment rule changes ( ) |
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A Guide to the 2011
RETIREMENTRULE CHANGES
Deciding how to take your pension benefits is one of the most important financial decisions you’re ever likely to make |
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| Guide to Wealth Management ( ) |
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Welcome to ‘A Guide to Wealth Management.’ As your life changes over time it’s important to ensure that your financial objectives continue to meet your needs.
Our approach takes account of business, personal and family circumstances. As well as your available assets, other important factors we take into account are tax considerations, your financial liabilities and your retirement planning.
Whether you are rapidly progressing in your career, or building your business, and are looking to build your wealth, we provide the professional advice required to ensure you attain your goals. Equally, if you’ve already built your wealth and wish to see it grow, our approach to total wealth management can help you continue to achieve this objective. |
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| Guide to Investing for Income ( ) |
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Welcome to ‘A Guide to Investing for Income’. Generating an income from your investments will be an important requirement especially if you’ve retired or are approaching retirement, or if you need to supplement your salary, or have a relatively short investment timeframe.
Income seekers in recent years have experienced frozen interest rates at historic lows which have resulted in real losses for many savers in bank and building society deposits which have failed to match inflation. |
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| Guide to end of tax year ( ) |
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Welcome to ‘A Guide to End of Tax Year Planning’. Despite the current economic uncertainty as to what the future holds, pressure will continue for increased rates of taxation. This will be further fuelled by the disparity in rates of taxation, particularly for income and capital gains. We can’t over-emphasise the importance of tax planning at an early stage.
Ideally you should commence your tax planning before the year even starts but after that, the earlier the better. The current 2010/11 tax year ends on 5 April and if you haven’t done so already, now is the time to start assessing how you could trim a potential tax bill. |
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| ISA guide 2010/2011 ( ) |
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Welcome to ‘A Guide to Individual Savings Accounts - 2010/11’. Individual Savings Accounts (ISAs) are not actual investments; they are tax-efficient wrappers surrounding your fund choice(s). When you make an ISA investment you pay no income or capital gains tax (CGT) on the returns you receive, no matter how much your investment grows or how much you withdraw over the years.
An ISA is an ideal way to make the most of your tax-efficient savings limit and save for the future. The value of tax savings and eligibility to invest in an ISA will depend on individual circumstances and all tax rules may change in the future. |
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| Guide to Retirement Planning ( ) |
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Welcome to ‘A Guide to Retirement Planning’. This guide provides a wealth of information on planning for retirement.
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| Guide to SIPPs ( ) |
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Welcome to ‘A Guide to Self-Invested Personal Pensions’ (SIPP). SIPPs have been around since 1989, but after the introduction of Pension Simplification legislation on 6 April 2006, SIPPs have become more accessible.
If you would like to have more control over your own pension fund and be able to make investment decisions yourself with the option of our professional help, a SIPP could be the retirement planning solution to discuss with us. |
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| A guide to the Autumn statement ( ) |
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On 29 November 2011, the Chancellor of the Exchequer, George Osborne, announced the Autumn Statement, which provided an update on the government’s plans for the economy based on the latest forecasts from the Office for Budget Responsibility.
These are the key announcements from his speech. |
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| Guide to Protection Planning ( ) |
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Welcome to our ‘Guide to Protection Planning’. Having the correct protection strategy in place will enable you to protect your family’s lifestyle if your income suddenly changes due to premature death or illness. But choosing the right options can be difficult without obtaining professional advice to ensure you protect your family from financial hardship. |
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| Guide to Income Drawdown ( ) |
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Welcome to ‘A Guide to Income Drawdown’. Income Drawdown (or Unsecured Pension) is the name given to the facility that enables you to continue to keep your retirement savings invested and take an income each year rather than buying an annuity. You decide when to purchase your pension, enabling you to time this for when annuity rates are at their most favourable. |
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| Guide to budget 2011 ( ) |
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Welcome to ‘A Guide to Budget 2011’. The Chancellor George Osborne presented his second Budget speech on 23rd March 2011. This was a fiscally neutral Budget, with the giveaways broadly balancing out the takeaways.
The Government’s economic policy objective is to achieve strong, sustainable and balanced growth that is more evenly shared across the country and between industries. This Budget builds on action announced in the Spending
Review 2010 and the June Budget 2010 to rebalance the economy from unsustainable public spending towards exports and investment. |
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| Guide to spending review ( ) |
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The Spending Review is a Treasury-led process to allocate resources across all government departments, according to the government’s priorities. Spending Reviews set firm and fixed spending budgets and it is then up to each department to decide how best to manage and distribute this spending within their areas of responsibility. |
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| ISA Guide 2011/2012 ( ) |
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An Individual Savings Account (ISA) is a tax-efficient wrapper. Within an ISA you pay no capital gains tax and no further tax on the income, making it one of the most tax-efficient savings vehicles available. |
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| A guide to end of tax year ( ) |
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The end of the current 2011/12 tax year is 5th April. The pending tax year end provides an opportunity to ensure that your liability for the current tax year is not one penny more than necessary.
With possible further tax increases on the horizon, there really is no time like the present to take a step back and look at how you are managing your personal finances and consider how you might reduce your taxes and/or improve your financial strategies. |
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| A guide to investment planning ( ) |
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If you are just getting started with investing or if you’re looking to improve your expertise, ‘A Guide to Investment Planning’ is full of guidance and information that will really help you make the most of your money.
Saving and investing is about balancing the risks you are comfortable with alongside the potential rewards. As a general rule, the higher the risk, the bigger the potential rewards
- but also the potential losses. We understand that every investor is unique and complex, which has led us to develop a highly innovative approach to investment. We believe it significantly improves the management of our clients’ investments.
Whatever your investment objectives are for the long term, it is prudent to set aside short-term savings to meet any future emergencies. This should be held where you can access your money easily. Your investment goals and attitude to risk for return are personal and may change over time, particularly as you near retirement. |
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| Guide to Investment Planning ( ) |
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Welcome to ‘A Guide to Investment Planning’. Planning for your future financial independence relies on selecting the right type of investments and balancing the risks you are comfortable with alongside the potential returns. As a general rule, the higher the risk, the greater the potential rewards or possible losses. We appreciate that every investor is unique and complex, which has led us to develop a highly innovative approach to investment. We believe it significantly improves the management of our clients’ investments. |
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