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Your pension, you’ve worked hard for it so don’t lose it

If you have different pensions pots, It's important to manage these effectively before looking to retire.

Protecting the future of your business in the Hospitality, Leisure and Tourism Sector

Is your Hospitality business protected and an insurance policy in place if you should fall ill?

Is it only the elderly that are vulnerable?

Concerns about older family members, work, how your financial commitments are going to be met, or simply just feeling anxious, the normal everyday “little things” may feel twice as big due to the current situation we find ourselves in with Covid-19. With this in mind I started to consider some of my clients, and how they are feeling in these unprecedented times?

What happens if you breach the Lifetime Allowance limit?

Are you aware of the Lifetime Allowance on pension, and what can happen if you breach it? Matthew Slessor, Financial Planning Consultant, fills you in with everything you need to know to get your finances in check for the future. 

Understanding annual allowance and the potential tax implications!

In 2016/17 restrictions on the level of pension tax relief available to high earners was introduced, but what is the tax implications on annual allowance?

Investment Decisions and Responsibilities

The Office of the Public Guardian (OPG) published new guidance in May 2019 highlighting the importance of proactive investing and the need to seek financial guidance.

Planning Your Financial Future

The global COVID-19 pandemic has demonstrated to us all that we cannot take anything for granted. The income we perhaps previously thought was secure might not be, the plans we had maybe taken for granted can be soon cancelled and of course that our health is of the utmost importance.

The Importance of Pension Death Benefits

It’s now five years since the pension industry was shaken up with the introduction of Pension Freedom legislation. Many of the early headlines focused on the likelihood of pensions being cashed in to purchase luxury items, remember the headline "if people do get a Lamborghini, and end up on the state pension, the state is much less concerned about that, and that is their choice."

Pensions can be very complex and therefore it’s perhaps understandable that at the time the press focused on such sensationalist headline grabbing quotes as this.

Succession Planning for Farmers

Farmers face some difficult decisions when it comes to retirment, sucession planning and leaving their assets to their children. 

Landed Estates – The IHT issues

Gifting, Trusts, Life Assurance, AIM and pension contributions.

Succession planning can be challenging in many businesses and Landed Estates can present an even more complex set of issues which need to be discussed and considered in full during the financial planning process. Here we will look at a variety of planning tools available to consider in relation to Inheritance tax mitigation for Landed Estates.