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ISA Simplification

by Sean Donald on 05·04·2016

Following the recent budget, we are now looking at six different versions of ISA so it seems like a good time to take stock of what is available.

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Inherited ISA Allowance

by Paraplanning Team on 30·03·2016

As you know, the death of a loved one, particularly a spouse, is a difficult time and advisors need to be on hand to assist and guide their clients through the complexities of dealing with the financial side of their loved one’s estate.

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Tax Free Cash - Will he or Won’t he?

by Paraplanning Team on 15·03·2016

By the end of this Wednesday another Budget will have come and gone and another set of rumours laid to rest. The particular rumour that I am going to address here is whether or not George Osborne will remove the benefit of a tax-free lump sum on pensions.

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Lifetime Allowance Changes & Opportunities

by Paraplanning Team on 08·03·2016

The further reduction to the lifetime allowance from £1.25 million to £1 million in April 2016 will be the third cut to the allowance in four years. So what opportunities are available to individuals who may be caught by the reduction in the future?

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Charitable Giving & Gift Aid

by Paraplanning Team on 23·02·2016

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.

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Final Salary Pension Benefits

by Niki Gahan on 16·02·2016

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.

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Second Home Stamp Duty & Income Tax

by Paraplanning Team on 09·02·2016

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.

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The Perfect Suitability Letter

by Damian Davies on 01·02·2016

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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