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Ethical Sustainable & Responsible Investments

Figures released by the Investment Association on 25 January this year show that net retail ethical fund sales reached a new high in 2015, with sales of £715 million

ISA Simplification

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.

Inherited ISA Allowance

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.

SSAS Pensions

Using the SSAS Loan Back facility to tempt business owners in to Pension planning

Tax Free Cash – Will he or Won’t he?

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.

Lifetime Allowance Changes & Opportunities

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?

Share Dividend Tax Liabilities

Using Pension Contributions to reduce Share Dividend Tax Liabilities

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.

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