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Q. I’m aware that the government have promised to pay any Annual Allowance tax charges incurred during tax year 19/20. I’ve not received my Annual Allowance figures for 19/20 yet, so what shall I do now as I’m not sure if I’ll have exceeded the allowance and therefore have any tax charges due? A. The […]
Q. As a Consultant doctor approaching age 54, I am worried about the impact on my NHS pension of the new taxes that is all the talk of my colleagues. I am told that I will fall foul of the Annual Allowance next year if my pay increase happens, and I will also exceed the […]
Q. I have to admit that I’ve become a bit fixated on what’s going on with the stock markets recently as they have fallen across the world, in turn affecting the value of my investments. Should I be worried? A. It’s fine to be concerned, however if it’s making you anxious then we’d say that’s […]
Q. I was chatting to a colleague over coffee and the subject of investments came up. He said that new rules meant that he could now see what he was paying in charges on his ISAs, and it was more than he thought. What new rules are these, as I must admit I haven’t checked my policies at […]
Q. I know that inflation is measured by the Consumer Prices Index (CPI), but how exactly is the CPI calculated? A. That’s a great question as the term ‘CPI’ is mentioned in the media more or less every day, but not everyone knows exactly what it is. Every year the Office for National Statistics (ONS) reviews […]
Q. As a Consultant who has had to opt out of the NHS Pension Scheme in my mid 50s, I hear rumours that this tax may be scrapped. Is there any sign of this? A. No, we don’t see any sign that this tax will be scrapped. In fact, HMRC are collecting record amounts of this […]
Q. As one of your clients, I understand that you concentrate on ‘the purpose of money’, and that money is a means to an end. I’m curious to know, is this ‘lifestyle advising’ now more common compared to when we started working together 10 years ago? A. In short, yes it is more common, but unfortunately not […]
Q. I have recently sold my dental business and, with the proceeds now in the bank, I’m considering my investment options. As I will have Capital Gains Tax (CGT) to pay, my financial adviser has suggested that I consider investing into an Enterprise Investment Scheme, as I will be able to defer the payment of the […]
Q. I am a Consultant Doctor in my early 50s and have been in the NHS Pension Scheme since age 23. My 30 years or so service has given me a decent NHS Pension projection, and this was something I was banking on (as well as a personal pension fund my accountant suggested when I started […]
Q. I will reach state pension age in 11 years and the state pension statement I have just received shows that I have accrued 20 years national insurance credits as at 31/3/15. Therefore, I will fall short of the 35 years required to qualify for a full state pension under the new system which was introduced on 6/4/16. This is […]