Monthly Archives: March 2014

Pensions lifetime allowance changes on the horizon

Posted on March 3, 2014 by - Retirement

The countdown clock is ticking– will you be ready?
It is estimated that potentially over 360,000[1] people could be affected by the new pensions lifetime allowance (LTA) changes, according to HM Revenue & Customs (20 March 2013). If you are one of these people, you will need to act fast, and we recommend that you contact us immediately or you could miss out on the opportunity to protect yourself from an unnecessary tax charge. (more…)

Tailored investment solutions

Posted on March 3, 2014 by - Investment, Retirement

Expert, flexible approach to accumulating and managing wealth
We provide clients with an expert, flexible approach to accumulating and managing their ealth. Understanding your financial circumstances is crucial in making sure we tailor the right investment solutions for you. Regardless of what stage of life you’re in, we can help you to protect and grow your wealth. (more…)

The changing nature of retirement

Posted on March 3, 2014 by - Retirement

Looking for an alternative to buying an annuity?
When you want to access your pension pot, you have several choices. The right choice for you will depend on a number of different elements, such as your tax position, whether you have a partner, your attitude to risk and even your health. (more…)

Life assurance cover

Posted on March 3, 2014 by - Protection

Funding a potential Inheritance Tax liability

After taking the appropriate steps to put in place an Inheritance Tax planning strategy, if there is still the potential likelihood of a liability on your estate or if you have made gifts which have created a potential liability for the recipients if you die within seven years, we can help you review how you could fund this liability in the most efficient way. (more…)

Trust solutions

Posted on March 3, 2014 by - Protection

Managing wealth
We can advise you on a range of different trust solutions, each designed with a particular purpose in mind. (more…)


Posted on March 3, 2014 by - Protection

Helping you control and protect your assets

One of the most effective ways you can manage your estate planning is through setting up a trust. The structures into which you can transfer your assets can have lasting consequences for you and your family, so it is important that you obtain professional advice
as the right structures can protect assets and give your family lasting benefits. (more…)

A gift with reservation

Posted on March 3, 2014 by - Protection

Getting the full benefit
A gift with reservation is a gift that is not fully given away. Where gifts with reservation were made on or after 18 March 1986, you can include the assets as part of your estate, but there is no seven-year limit as there is for outright gifts. A gift may begin as a gift with reservation, but some time later the reservation may cease. (more…)

Exempt gifts

Posted on March 3, 2014 by - Protection

Passing on parts of your estate

There are some important exemptions that allow you to legally pass your estate on to others, both before and after your death, without it being subject to Inheritance Tax. (more…)

Make a Will

Posted on March 3, 2014 by - Protection

Sharing out your estate

Planning your finances in advance should help you ensure that when you die, everything you own goes where you want it to. Making a Will is the first step in ensuring that your estate is shared out exactly as you want it to be. (more…)