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Hot Topics

The following documents will give you more detailed information on topics that may be of interest to you:
Pension Loans and Cash Loans - Don't take the risk!
Companies offering to arrange pension and cash loans are taking a significant risk with your Pension funds. This is likely to result in a significant tax in the future along with significantly reducing the value of your pension through high charges and potential tax penalties.  Many companies...

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Pension Contributions - New Rules for 2011
HM Treasury announced on 14 October 200 the Annual Allowance will reduce from £255,000 to £50,000 from April 2011. In addition, there is a new rule allowing carry forward of unused annual allowances from up to three previous tax years. In applying this rule, the annual allowance for 200...

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Pension Reform & Automatic Enrolment
Pension Reform & Automatic Enrolment Recent changes to pension reform: The new coalition Government asked an independent team to carry out a review of the planned pension reform changes – which are due to be introduced from 2012. The Department for Work and Pensions has recently confirmed it ...

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2011 Income drawdown changes
  2011 Income drawdown changes The Government is making some fundamental changes to the way in which people can take their pension benefits from 6 April 2011.  One of the key changes affects unsecured pension (USP or income drawdown as it is commonly called). The maximum income allowed...

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Guaranteed Capital Funds
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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Pension Reform – Employer Staging Dates
Pension Reform – Employer Staging Dates Use the table below to get an idea of when the new law will apply to you. The date your duties will start is known as your 'staging date'. You'll need to have details of your PAYE scheme to hand, including the reference number(s) and the size of your...

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QROPS Advice & Pension Loans
  QROPS – The Facts QROPS has resulted in substantial repercussions for advisers and their clients. Qualifying Recognised Overseas Pension Schemes, or QROPS for short, are not new. HMRC allowed non-resident UK pension scheme members the ability to transfer their accumulated pension a...

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Care Home Funding
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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Pensions - Triviality
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 Borrowing
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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Shareholder Protection
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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Income Drawdown
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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Access Tax Free Cash
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!! 

ISA/PEPs with a difference
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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