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April Focus – Taxation Rules on Pension Schemes

This Focus is necessarily somewhat longer than usual. It holds a very important message for anyone who is a member of a pension scheme. It is based on our understanding of taxation matters that involve quite complex rules. Money Purchase Pension Schemes – Death Benefits As discussed in our October 2017 Focus (recent Focuses can…
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March Focus – Your cash reserves

Following the financial crisis of 2008 when a number of big British banks came close to collapsing, the Financial Services Compensation Scheme (FSCS) was strengthened by the government to the extent that the FSCS currently guarantees the first £85,000 of a person’s cash savings per banking licence in total, and including interest. But what does…
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February Focus – Lifetime Financial Planning

You and I know that life is not all plain sailing. But, as far as our financial planning is concerned, if you plan ahead you can maximise your resources for your families and yourselves. We call it Lifetime Financial Planning – and we make the provision of that service available to all our clients. For…
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January Focus – Income Tax, Pensions, Capital Gains, ISAs and Inheritance Tax

January is the month named for Janus, the Roman god who was depicted with two faces – one looking back and one looking to the future. And that is precisely what we should be doing now in respect of our financial planning. Successful financial planning is a cyclical activity. It is important to review your…
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December Focus – Help to Buy ISA

If you or a member of your family is saving for a home through a Help To Buy ISA or know someone who is, it’s worth being aware of a planning opportunity that could boost your savings by an additional £1,100. But anyone hoping to take advantage of this opportunity needs to be quick, as…
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November Focus – IHT: The (Residence) Nil Rate Bands … Can you spot the difference

Changes to inheritance tax (IHT) came in earlier this year, affecting the allowance for those wanting to pass on their home to members of the family. But as the changes are being rolled out over the next few years up to the 2020/21 financial year, it can be hard to know if and how the…
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June Focus – Common-law Marriage – An Urban Myth?

Many people believe that there is such a thing as a ‘common-law marriage’, where couples in a long-term relationship acquire equivalent rights to people who are married. But this ‘common-law marriage’ is a myth: only couples who are married or in civil partnerships have legal rights and responsibilities. ‘Common-law marriage’ is not recognised by the…
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