Don’t be caught out by the falling lifetime allowance
With a little bit of notice you can plan ahead of the day, look at any alternatives, and take appropriate action. Therefore on the theme of advance warning, from 6 April 2014 the lifetime allowance...
View ArticleViewpoint: The value of trust
They allow clients to have greater control over how their assets will be used in the future. Settlors place assets into trust and appoint trustees who are then legally responsible for the assets. The...
View ArticleHow to invest ethically
But if you do want to invest in an ethical manner with your principles set ahead of fund performance – where do you start? Once you have determined your ethical investment criteria you can speak to an...
View ArticleNo will could leave your family with no inheritance
But having a will in place is hugely important. Even if you have a will, is it up to date and does it take into account your current wishes? If not, it should be reviewed. Just to dispel a few myths,...
View ArticleHow to start saving – even later in life
First review your outgoings, create an expenditure form and record what you spend on a monthly basis. Is there any positive difference between your income and expenditure? If so do you actually have...
View ArticleHow to assess a financial planner
If you have had advice in the past then I would guess that the majority of you, if not all, will have come away with a financial product. But not all financial advice is about products. There are those...
View ArticleYou insure your car but not yourself?
According to the Association of British Insurers of the 26.4 million households in the UK • 76% of households have home contents insurance • 64% have home buildings insurance • 74% have motor cover •...
View ArticleWhat do Christmas and financial planning have in common?
Well, in my eyes quite a lot really as Christmas brings together a number of the key planning areas. Firstly, the preparation and cost of Christmas can be managed by setting a budget of what you can...
View ArticleViewpoint: How will you retire?
This could be a prolonged period of winding down your work or an immediate transition. Either way, having the choice from a financial perspective is greatly important rather than being forced down a...
View ArticleAre annuities all bad news?
In the past when looking to take benefits from pensions the typical method was to take the maximum tax-free lump sum and purchase a lifetime annuity with the remaining fund to provide an income for...
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