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Key advice guides

Key advice guides 1

Business Succession Planning

Updated October 2016
What happens to a business if its owner or co-owner dies or falls seriously ill? Much will depend on the type of business – sole trader, partnership or limited company – but unless there has been some advance planning, the chances are that there will be disruption, arguments and the strong possibility that all or part of the business will end up in the wrong hands.

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Key advice guides 2

You and Yours – Estate Planning

Updated November 2017
For many people, estate planning is pushed to the bottom of the ‘do later’ list, like tax returns. Estate planning is also a subject that requires you to contemplate your own demise and none of us expect to pass away tomorrow, so deferral easily sets in. However, before then there is always the possibility that death will come suddenly, through an accident or previously unnoticed medical condition.

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Key advice guides 3

Financial Protection – For You and Your family

Updated October 2016
Life and health insurance protection underpins of most good financial planning. These types of insurance can ensure that if the worst should happen, the right amount of money will reach the right hands at the right time.

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Key advice guides 4

Investing for Income when you retire

Updated July 2017
There comes a time when you stop working for your money and put your money to work for you. For most people, that is retirement. The decisions you make then could have repercussions for the rest of your life, and recently there have been some major changes to the choices you can make with your pensions.

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Key advice guides 5

Investment Planning and Asset Allocation

Updated November 2017
Investment planning is now more of a science, rather than an art. Technology, ever increasing investment opportunities and stricter regulation have all encouraged the more scientific approach. But has your investment strategy kept pace?

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Key advice guides 6

The Key Stages of Financial Planning

Updated October 2016
Financial planning has witnessed significant change, so it is not surprising that most people are vague about what financial planners actually do. The aim of this Guide is to explain the process in general terms and what financial planning can achieve for you. Some of the important recent changes to pensions and ISAs have made the need for financial planning even more crucial.

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Key advice guides 7

Investing for Children

Updated November 2017
Most parents want to help their children financially, whether it is making sure there is enough money for their education or helping them to buy a property. An early objective may well be to help children understand the value and importance of money.

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Key advice guides 8

Living Abroad – The Main Tax Rules

Updated October 2016
While the thought of going abroad to work or retire may be exciting, the months
before departure may be stressful. Finding somewhere to live in your chosen country, arranging the necessary visas and booking a suitable removal firm are just some of the issues you are likely to have to deal with.

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Key advice guides 9

Taking Control of Your Pension Plan

If you add together all the money you have in pension arrangements, the total may
well dwarf every other investment you ever make. Despite this, many people are happy to leave their pensions in the schemes of previous employers and insurance company ‘managed’ funds, which may be fine for relatively modest pension funds.

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Key advice guides 10

Pensions Tax Planning for High Earners

Updated November 2017
If you feel you’re paying more and more tax, you are not alone. More than one in
seven of income tax payers are taxed at the higher or additional rate, but they pay
about two thirds of all income tax. This rising tax burden for higher earners has been
a deliberate policy of successive governments, witness the fact that the thresholds
for phasing out of the personal allowance and the start of the additional rate tax
threshold have both been unchanged since they came into force in April 2010.

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Key advice guides 11

Pensions Flexibility – The New Rules

The changes revealed in the 2014 Budget have been described by some retirement planning experts as a pensions revolution. The radical proposals came as a surprise and were designed to change the retirement landscape by breaking the link between pensions and annuities.

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Key advice guides 12

The Taxation of Investments

Updated October 2016
The taxation of investments has never been a simple matter. In recent years it has become more complex as successive governments have chosen to tax different sources of investment income in different ways, mostly with the aim of adding to the Exchequer’s coffers.

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Key advice guides 13

Workplace Pensions and Auto-Enrolment

Updated October 2016
Automatic enrolment has ‘changed the UK workplace forever,’ according to the National Association of Pension Funds (October 2013). The Department for Work and Pensions (DWP) estimates that the new rules ‘could almost double private pension income by the time people now starting work reach their retirement.’ No employer – however small – can afford to ignore these changes.

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Key advice guides 14

Pensions Freedom - Drawing From Your Pension

Updated October 2016
The changes revealed in the 2014 Budget were described by some retirement planning experts as a pensions revolution. The radical proposals came as a surprise and were designed to change the retirement landscape by breaking the link between pensions and annuities.

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Key advice guides 15

Taxation of Property

Updated November 2017
Buy-to-let has been an attractive proposition over recent years for anyone who has
been able to raise the necessary deposit. Given a prolonged period of low borrowing
costs and generally rising property values this is hardly surprising. There has also been
a perceived dearth of good alternatives, with low savings rates and restrictions on the
amount that can be saved into a pension.
However, recent tax changes and tighter lending rules have had a major negative
impact on the buy-to-let market. So if you are thinking of becoming a landlord you
will need to carefully consider the pros and cons, especially the tax implications.

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Key advice guides 16

Making the Most of ISAs

Updated July 2017
When Individual Savings Accounts (ISAs) first appeared in 1999 as a replacement for
PEPs and TESSAs, they were a relatively straightforward offering. There was one plan
with a choice of three investment variants: stocks and shares, cash or life assurance
(merged into the stocks and shares component in 2005). In the 18 years since, what
was once simple has become more complicated. On some counts, there are now seven
different categories of ISA, although the government’s website says there are only
four (cash ISAs; stocks and shares ISAs; innovative finance ISAs; and Lifetime ISAs). For
clarification, we outline five below in chronological order of availability.

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Key advice guides 17

Investing Tax Efficiently

Updated November 2017
The taxation of investments has never been a simple matter. In recent years it has
become more complex as successive governments have chosen to tax different
sources of investment income in different ways, mostly with the aim of adding to the
Exchequer’s coffers.
On top of this, the whole tax system has grown increasingly elaborate, thanks
to revenue-raising tweaks such the taxation of child benefit and the reform
(and re-form) of dividend taxation.
This guide can give only a brief outline of how your investments are taxed. Expert
advice is necessary if you require more information or a greater insight into how to
cut that tax bill.

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Key advice guides 18

Saving for Retirement

Updated November 2017
Retirement is something most of us look forward to − particularly on a Monday
morning. However, those thoughts are often little more than a whimsical cocktail
of not having to work and prolonged holidays. The reality could be rather different,
particularly if your retirement date is some way off.
For a start, retirement now is often not the sudden change from work to enforced
idleness that it used to be. It has increasingly become a gradual process, with part-time
work playing an important role. The latest data from National Statistics show that
13.2% of men and 7.3% of women aged 65 and over are still in employment.

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Key advice guides 19

Taking Income at Retirement

Updated November 2017
There comes a time when you stop working for your money and put your money to
work for you. For most people, that is retirement. The decisions you make then could
have repercussions for the rest of your life, and in recent years, there have been some
major changes to the retirement choices you can make with your pensions.

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