Tag: financial planning

Work Experience! A Day In The Life Of:

Posted on July 25, 2014 No Comments

Having spent most of my summer not getting up until 10am, if not later, suddenly waking up at 7am to come into work at a proper 9 to 5 job, was a bit of a shock to the system to say the least. I arrived at the Andrew Marr building at 8:45, thinking being early […]

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New flexible pensions: why we will not be spending them all at once…

Posted on July 23, 2014 No Comments

Much has been written about the new dawn of pensions flexibility ushered in by the Chancellor in his last budget. Amidst the thunderous applause and cries of ‘long overdue!’ from most pension holders there were, however, stern noises from certain quarters – Labour’s Ed Balls among them – that the overwhelming temptation for many would […]

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7 Alternatives to using pensions to save for retirement

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Faced with a hefty 55 per cent pensions tax bill because of HM Revenue & Customs new lower lifetime pensions allowance, many middle-to-high earners with generous pension arrangements are seriously on the lookout for alternatives to pensions as savings vehicles for retirement. That is quite a few savers potentially hunting around, considering that approximately 360,000 […]

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SMEs need to take care in the complicated insurance arena

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“Small businesses are experts in their particular field but are often not experienced in buying insurance. That is why they need to be able to trust their insurance intermediary to act in their best interests. If there are conflicts of interest that are not identified or properly managed, that trust is put at risk.” (Clive […]

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New ISAs: going the distance with new pensions – or delivering the knockout punch?

Posted on July 14, 2014 No Comments

‘Out with the old and in with the new’ regimes The Chancellor’s March 2014 Budget may well go down as one of the most radically overhauling game-changers since Lloyd George ushered in the state pension in the 1908 Pensions Act (at the time perceived as dangerously radical). It has completely levelled the playing field as […]

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July Market Commentary

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June was a good month for British and Chinese manufacturing, a disastrous month for General Motors (GM) and sadly, the England team who can now be found on the beaches of the Algarve. At least they escaped the anger directed at South Korea’s players, who were pelted with toffees on their return to Seoul! UK […]

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Retirement income – Are you struggling to support your family?

Posted on June 9, 2014 No Comments

Retirement Income – Prudential Research Two in five (39%) people planning on retiring this year provide financial support to their families or other dependants, according to new research by Prudential. The research into the ‘Class of 2014’ is Prudential’s seventh annual study tracking the future plans and aspirations of people who plan to retire in the […]

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5 Travel Tips – Help your money go further abroad!

Posted on June 3, 2014 No Comments

As the weather turns and we move toward the Summer months, it’s natural for all of us to look forward to forthcoming holidays and some time away somewhere nice! Foreign finance is a notoriously troublesome area, with poor exchange rates on overseas credit card transactions being just one of several fairly recent high profile examples […]

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June Market Economic Commentary

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Some months we sit down to write this report and think to ourselves, ‘Not much happened really…’ And then you get a month like the one that’s just finished where pretty much everything happened! Elections were held across Europe – and the big story was the rise and rise of the extremist parties, with UKIP […]

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ISA’s: now much NISA!

Posted on May 29, 2014 No Comments

Virtually all the headlines surrounding George Osborne’s recent Budget were about the changes to the pensions rules. Rightly described as the biggest changes to pensions legislation for a hundred years, they will have far-reaching implications for the financial planning of many of our clients. With all the attention devoted to pensions, it was easy to […]

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