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Author Archives: Jennifer
Enterprise Investment Schemes
October 17, 2009
As a change from doom and gloom, this is the story of one of our clients that we were able to help. Alexander is 68 and a widower. His children and grandchildren are now in the US and Australia. [...more]
Cash Individual Savings Accounts (ISAs)
July 25, 2009
Fixed Rate vs Variable Rate Fixed Rate ISAs A fixed rate ISA may come in the form of a “bond” (also known as a term ISA, or fixed-rate ISA). At the end of the ISA term (usually at least 12 months), you will have the choice: To re-invest or “rollover” the ISA to stay with the [...more]
Tagged: financial advice, financial adviser, financial advisers, financial advisor, financial advisors, financial group, financial planner, financial planning, independent financial advisor, independent financial advisors, interest tax, investments, money management, tax advice, tax amount, tax benefit, tax free savings, Tax Saving, wealth management
Financial Services Authority’s Consultation Paper – CP09/18
July 11, 2009
RETAIL DISTRIBUTION REVIEW (or ‘RDR’ to his mates!) The FSA has been looking at how financial services (advice and products) are sold to the general public since 2006 and this review is scheduled to end in 2012 with a new approach. The main thrust of the FSA’s reviews so far is that they wish to [...more]
The New Income Cap and 50 Per Cent Tax Threshold
June 30, 2009
News for those with an Income in excess of £100,000 The Budget proposals in Plain English [...more]
Tagged: financial advice, financial adviser, financial advisers, financial advisor, financial advisors, financial group, financial planner, financial planning, independent financial advisor, independent financial advisors, investments, money management, pension fund, pension funds, pension scheme, pension schemes, pensions, pensions uk, uk pension, uk pensions, wealth management
Inheritance Tax Relief For The Larger Estates
May 12, 2009
What happens if the solutions suggested in our Inheritance Tax Relief brochure do not cover your estate’s liability? You have done as much as you can but still there is a large potential gain for the Revenue. Has the government offered further tax reliefs? Where can you obtain further advice on what is available? [...more]
Tagged: capital gains tax, estate planning, financial advisor, financial management, financial services, gift tax, inheritance, inheritance law, inheritance planning, inheritance tax, investments, making a will, probate, tax, tax advice, tax help, tax information, tax planning, wealth management, will writing, wills
A Summary Of Potential Mitigation Of Inheritance Tax Liabilities
April 7, 2009
Every individual regardless of age has an allowance, known as a ‘nil rate band’. This means that when you die the first £325,000 (2009/2010 rate) of your estate is inheritance tax free (IHT). This allowance does not die with you – your spouse may use the remainder of the nil rate band (if any) for [...more]
Tagged: estate planning, financial advice, financial adviser, financial advisers, financial advisor, financial advisors, financial group, financial planner, financial planning, independent financial advisor, independent financial advisors, inheritance, inheritance law, inheritance planning, inheritance tax, investments, money management, probate, tax planning, wealth management, will writing, wills
Inefficient Giving Costs Charities Nearly £1 Billion
March 31, 2009
In 2007/08 UK adults gave £10.6bn to worthy causes, but gifted nearly £1bn to the taxman Use Gift Aid and make your donations tax-efficient [...more]
Tagged: financial, financial advice, financial adviser, financial advisors, financial management, financial planning, financial services, gift tax, income tax, inheritance tax, interest tax, Investment, tax, tax advice, tax benefit, tax benefits, tax exempt savings, tax laws, tax money, tax planning, tax rules, tax year, wealth management
How To Survive A Recession
March 17, 2009
Skirts getting longer? Cigarette butts shorter? Easier to get a cab or a table at that fashionable restaurant? All these are said to be signs of recession – the dreaded R word. The technical definition of a recession is when the economy has shrunk for at least six months – as measured by negative Gross [...more]
Tagged: business risk, financial risk, gift tax, income tax, inheritance tax, interest tax, managing risk, pension fund, pension funds, pension scheme, pension schemes, pensions, pensions uk, risk analysis, risk assessments, risk management, risk manager, tax, tax advice, tax benefit, tax benefits, tax exempt savings, tax laws, tax money, tax planning, tax rules, tax year, uk pension, uk pensions
Insulating Your Finances Against Recession
March 3, 2009
Unemployment Insurance Almost certainly the biggest fear for working people in a recession is losing their job and not being able to meet their financial commitments. And the biggest commitment of all for most people is their mortgage. [...more]
Capital Gains Tax – is it time to panic?