Wealth planning in focus

Capital Gains Tax (CGT) is a wide ranging and complex tax that in broad terms is levied on the increased value of certain possessions over the time that they have been held by their owner and is…

If anything, other than the myriad of struggles Coronavirus has brought upon society, it has awoken the painful ignorance in a vast number of young people towards saving not only for their future, but…

It is well known that making a Will is an extremely integral part of Inheritance Tax planning, and by doing so, and keeping it up to date to reflect one’s ongoing wishes, this will ensure that as much…

With a growing elderly population, putting in place an ‘attorney’ acting under a Financial and Property Affairs Lasting Power of Attorney (LPA) or Enduring Power of Attorney is becoming more…

If you are planning for later life, you may be considering what will happen to your spouse or civil partner (partner) and children or other beneficiaries on death. You may be concerned that your…

In 2012 we saw the launch of auto enrolment pensions in the UK.

Child Benefit and Personal Allowance The two common strategies to ‘adjust’ income downwards include pension contributions and gift aid payments. This adjusted net income can mean no High Income Child…

Simon Wong looks at instances where Capital Gains Tax (CGT) or Inheritance Tax (IHT) can be reduced or mitigated on death, and instances where IHT is not reduced or mitigated.Capital Gains Tax (CGT)…

According to Savills estate agency an estimated 53,000 buy-to-let properties have been sold over the past 12 months which is the lowest number since 2007.Although the number of new loans approved for…

After the pomp and ceremony of the Royal Wedding, Simon Wong, reflects on how a flaw in the Individual Savings Accounts (ISA) rules that prevented surviving partners from inheriting the full amount of…

He often comes across dust covered files that have been sent to him containing old legacy insurance policies many of which are either forgotten by clients or simply ignored on the basis that they…

Cash flow modelling allows you to plan ahead, and make appropriate steps now in the hope that your life-time consumption is as smooth as possible.Cash flow modelling works by predicting what your…

According to The Pensions Regulator, 67,700 people transferred outof defined benefit pension schemes in the last year alone.There has been a huge increase in interest in defined benefit (aka Final…

Despite this, in my experience few people have fully grasped the enormous benefits that these changes offer, and how they themselves could be affected. This is easy to see, with 2/5th of UK adults…


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