Preserving wealth for future generations

preserving
Should you review your situation with further changes on the horizon?

Inheritance Tax (IHT) affects not just the very rich – other people may be liable without realising it. Few taxes are quite as emotive – or as politicised – as IHT. Continue reading…


‘JOB FOR LIFE’, A DISTANT MEMORY

New workers face a significantly longer working life than past generations.

Retirement savings provide you with a wage in your retirement, so it is important that you keep a close eye on them.  However, with people working in more and more roles, savings pots could easily be forgotten.  To find out how we could help you in your retirement planning throughout your life contact either Tony Lloyd or Michael O’Sullivan on 020 8941 9779.


Achieving a comfortable retirement

Achieving a comfortable retirement

Do you need a professional assessment of your situation to make this a reality?

If you are unsure whether your pension is performing in line with your expectations, and that you’ve made the right pension choices – don’t leave it to chance.

Contact either Tony Lloyd or Michael O’Sullivan on 020 8941 9779 to discuss these and other important questions, and we’ll help guide you to a comfortable retirement.


New tax year, new ISA allowance

New tax year, new ISA allowance – A NISA way to save or invest

Alongside the major reforms announced in the Budget 2014, from 1 July 2014 ISAs will be reformed into a simpler product, the ‘New ISA’ (NISA), with an overall limit of £15,000 per tax year.  The Government is also abolishing the rule that says only half can be saved in cash.

Whether you’re new to ISAs or looking to grow your ISA portfolio, we can help.  To discuss the options available, please contact Michael O’Sullivan or Tony Lloyd on 020 8941 9779.


Greater choice for retirees

Greater choice for retirees

Fundamental plans to redesign the UK defined contribution pension system (as opposed to workplace pension schemes) were announced as part of the Budget 2014 speech.  This radical announcement to give retirees more choice as to how they take the income from their pension fund will mean that other options may now be given more consideration.  These changes make it even more important for those approaching retirement to seek professional help in order to make the most of their pension pot.

If you would like to find out more about how the changes could affect your future retirement plans, please contact either Tony Lloyd or Michael O’Sullivan on 020 8941 9779.


Securing your family’s financial future

Having children has never been more expensive. The costs associated with raising a family are set to remain a pressure point for families across the UK but seeing the cost of raising a child in its entirety can help people think about how to secure their family’s financial future should anything unexpected happen. Please contact Tony Lloyd or Michael O’Sullivan on 020 8941 9779 for further information.


Making the most of every available tax-planning opportunity

Making the most of every available tax-planning opportunity

No one likes to pay more tax than they have to but one of the challenges of holding wealth is the high taxation it attracts.  With real-terms tax increases the prospect for the foreseeable future, the pressure is on to make the most of every available tax-planning opportunity.  With the end of the tax year fast approaching on 5 April 2014, sorting out your finances now is vital.

To discuss the options available, please contact either Tony Lloyd or Michael O’Sullivan on 020 8941 9779.


Cashing in on Alternatives in 2014

Cashing in on Alternatives in 2014

The investment world is changing rapidly and many investors are holding cash to keep their money safe. But with interest rates held at historically low levels, and even low rates of inflation capable of reducing your long-term purchasing power, keeping too much cash may not help you achieve your financial goals.

If you are ready to take on more risk and step out of cash in search of higher returns, it is essential to obtain professional financial advice. To discuss the options available to you, please contact either Tony Lloyd or Michael O’Sullivan on 020 8941 9779.


Gifts of the Financial Variety

Gifts of the Financial Variety

With the festive season almost upon us, have you considered giving your grandchild or grandchildren a present that can help their financial future?
UK tax laws allow children to receive pension contributions of up to £3,600 a year from the moment they are born. Opening a pension for your grandchild or grandchildren could significantly improve the amount they eventually inherit. With both tax and estate planning benefits, together with the prospect of giving them financial independence in their retirement years, this really could be the most valuable gift you ever make to them. To discuss this and any other retirement planning concerns you may have, please contact Michael O’Sullivan or Tony Lloyd on 020 8941 9779.


Happy ISA New Year

This tax year you can shelter up to £11,280 from tax by investing in
an Individual Savings Account (ISA). During his Autumn Statement
last December, the Chancellor, George Osborne, announced plans to
increase the ISA limit to £11,520 from 6 April this year. If you haven’t already used up your full ISA allowance
you can’t retrospectively make up any unused shortfall
later – it’s lost forever. Contact Tony Lloyd on 0208 941 9779 to dicuss your options.