‘All News’ Archive

Overestimating your retirement income

Are you relying on the state pension to fund your retirement? Around 18 per cent of people who intend to give up work during 2010 admit they will be relying on the state pension and income from savings to fund their retirement, according to insurer Prudential.

Tax-efficient SIPPs

Greater flexibility and control over your savings A Self-Invested Personal Pension (SIPP) is an investment savings vehicle aimed specifically at producing income, or a tax-free lump sum with a reduced income, in retirement.

UK trusts

Passing assets to beneficiaries using a trust You may decide to use a trust to pass assets to beneficiaries, particularly those who aren’t immediately able to look after their own affairs. If you do use a trust to give something away, this removes it from your estate provided you don’t use it or get any [...]

Life assurance

When you should review your life assurance requirements Life assurance helps your dependants to cope financially in the event of your premature death. When you take out life assurance you set the amount you want the policy to pay out should you die, this is called the ‘sum assured.’ Even if you consider that currently [...]

Open-ended investment companies

Investing in a variety of assets to generate a return for investors Open-ended investment companies (OEICs) are stock market-quoted collective investment schemes. Like unit trusts and investment trusts they invest in a variety of assets to generate a return for investors.

Unit trusts

Participating in a wider range of investments Unit trusts are a collective investment that allows you to participate in a wider range of investments than can normally be achieved on your own with smaller sums of money. Pooling your money with others also reduces the risk.

50 per cent tax rate

Mitigating the impact of the forthcoming rate increase An increase in the top rate of personal income tax for all income above £150,000 was announced in the 2009 Budget. The new 50 per cent rate will come into force from 6 April 2010. This is a significant increase (and an increase in the original figure announced [...]

Pooled investments

Providing the potential for capital growth or income, or a combination of both If you require your money to provide the potential for capital growth or income, or a combination of both, provided you are willing to accept an element of risk pooled investments could just be the solution you are looking for. A pooled [...]

Creating wealth

Solutions for the diverse needs of both our wealthy clients and those who aspire to become wealthy We provide solutions for the diverse needs of both our wealthy clients and those who aspire to become wealthy, enabling each individual to structure their finances as efficiently as possible.

Inheritance Tax mitigation

Whose wealth is it anyway? Helping you protect your wealth is an important part of what we do, and one thing is certain, you need to plan to protect your wealth from a potential Inheritance Tax (IHT) liability. Once only the domain of the very wealthy, the wide-scale increase in home ownership and rising property [...]

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