Hot Topics

The following documents will give you more detailed information on topics that may be of interest to you:
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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By April 2010, the minimum age at which you'll be able to take your company or personal pension will have increased from 50 to 55.   However, you may still be able to take your pension before age 55 in certain circumstances, for example if you are unable to work due to ill-health. Your pen...

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It is now permitted that commutation of small benefits including benefits in payment will be allowed up to a total of 1% of the lifetime allowance i.e. £15,000 in 2006/07 provided that the member’s aggregate pension rights do not exceed this limit.  Up to this aggregate limit any nu...

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SIPP & SSAS BorrowingThe rules regulating the amount of money that members of small self-administered schemes (SSASs) and self invested personal pension schemes (SIPPs) can borrow changed on A-Day (6 April 2006).Before A-Day Pre A-Day under a SSAS the amount that could be borrowed was based...

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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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Need to take income but don’t want to be tied to an annuity?   Have you considered the following? Income Drawdown   Key Facts...

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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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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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