Hot Topics

The following documents will give you more detailed information on topics that may be of interest to you:
Pension Freedoms SummaryPension Freedom legislation is now in place and the expected options are now reality. Whilst legislation now permits enhanced flexibility and control many pension providers are struggling to accommodate all options that the legislation permits.Most pension providers...

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Unfunded Defined Benefit Pension Schemes – No Transfer options allowed Government legislation now in force means that members of Unfunded Defined Benefit (Final Salary, Career Average, etc) pension schemes will not be able to transfer their benefits. The therefore cannot take advantage ...

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SIPP and SSAS Borrowing for Commercial Property and LandThe maximum amount that any scheme can borrow is 50% of the current value of the scheme, less any outstanding loans.  100% of scheme assets plus any scheme borrowings can be used to purchase a property i.e. the scheme could buy a prop...

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Need to take income but don’t want to be tied to an annuity?  Consider the following - Flexi-Access Drawdown   Key Facts...

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A number of funds offering 100% capital protection are now available through our approved IFAs. These funds are provided by leading investment companies and are not available through high street banks. These funds can be used for:PensionsInvestment BondsISAs  Most guara...

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We receive many enquiries from people who wish to take the tax free cash from their pensions but do not want to retire.Typical uses for this have been: ...

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Our recommended specialist Independent Financial Advisers are specifically qualified to provide dedicated long-term care funding advice.   Advisers collaborate by working closely and sensitively with all key family members to help with their need to make the right decisions, based on their ...

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A Short Guide to Shareholder and Partnership ProtectionThe death or permanent incapacity of a shareholder or partner can alter the balance of power within your business and can create financial difficulties for the surviving shareholders, partners and their dependants. For example:...

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Something to think about!! 

As many of you will be aware, when Gordon Brown introduced ISAs to substitute for PEPs he simultaneously halved the dividend tax credit available on share-based plans from 20% to 10%; in April 2004 the ability to reclaim this 10% was abolished. This left basic rate tax payers without any income tax ...

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