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Charitable Giving & Gift Aid

How often do you tell your clients to give money away? This may seem counterintuitive to an adviser, particularly if you have spent years working with your client to build up savings, but if your client is a higher or additional rate tax payer this is certainly something you should look to discuss with them.

Final Salary Pension Benefits

Transfer of final salary pension benefits has quickly become a viable option; not only in relation to the additional flexibility a money purchase arrangement provides, but also in respect of the death benefits.

Second Home Stamp Duty & Income Tax

From April 2016 investment in buy-to-let & second home properties will become harder for the majority. A 3% surcharge on each stamp duty band could potentially choke the market into breathing its last major breath.

The Perfect Suitability Letter

At a recent Threesixty seminar Damian discusses what makes a great suitability letter, breaks down what the regulator wants to see and proposes a suitability report for the near future.

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    Three tools for perfect factfinding
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