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For many, a new year’s resolution is to get their finances in tip top shape. For some, they will look to a financial adviser / planner to help them with making important decisions. Decisions that could have a profound impact on their financial futures. So, what is a financial adviser / planner for? (we’ll use […]
Q. As a high earning dentist, I pay large amounts of income tax. I get it that this goes with the territory, but I want to explore schemes which can help reduce my tax bill. What advice would you give? A. You are of course not alone in wanting to minimise the amount of tax you pay. […]
You may have noticed that Chancellor Philip Hammond has been very busy lately on his mission to raise taxes. The obvious one for our clients in the NHS Pension Scheme has been the lowering of the limit on the Lifetime Allowance (LTA). It has reduced from £1.8m in 2006 to £1m this April (2016)! This […]
Last year we wrote an article on Inheritance Tax (IHT) and how you could mitigate this by using joint life cover payable on second death. This was only a year ago, and already there have been major rule changes announced that can have a major effect on how much your family may have to pay […]
We have written many articles over the years on how to invest sensibly. After all, it is one of the most important issues for our clients saving for retirement. As Financial Planners we will of course ask ‘what is the purpose of money’ for you? You don’t just put a few hundred thousand pounds under […]
Q. I have heard that the government have introduced a new non-taxable allowance for savers in cash deposit accounts. As we have large cash savings how will this help us? A. This was announced a year in advance last March, and takes effect this April. At the moment savings are taxed at either 20% or 40% depending on […]
Q. For the last 3 years I have exceeded the pensions annual allowance of £50,000 / £40,000 due to being a member of the NHS Pension scheme, resulting in additional tax to pay. I’m concerned about the new Tapered Annual Allowance which will be effective from the 2016/17 tax year. Can you explain how it works? A. […]
This is a question we sometimes get from new clients when they have seen some of the major investment / stockbroker firms who often trumpet their best-buy list of investment funds. They are marketed as the essential guide for you to achieve investment success. MailOnline wrote an article earlier this year on this, and some of the key points that emerged were quite revealing as […]