Category Archives: Pensions

Pension Related Information

Back to the Future: Pension Carry Forward

Posted on December 30, 2011 by Joel Adams CFP FPFS

Prior to the current Tax Year an individual could technically contribute £255,000 per year into their pension fund. However, the ability to do so on a tax efficient basis was significantly restricted by the introduction of the restrictions for so called ”high earners” … Continue reading →

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Equity Release – Friend or Foe?

Posted on November 15, 2011 by John Brown

For those fortunate to have accrued sufficient assets to sustain them in later life, the thought of having to mortgage the family home is not one they usually relish. However, for many people, the need for additional income is very … Continue reading →

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Pension Death Benefits – Are They Tax Free?

Posted on November 14, 2011 by Hannah Creighton MCSI FPFS

Pension and life assurance policies that are written under a trust are usually free of Inheritance Tax when death benefits are paid. This is ideal, particularly when combined with the fact you can usually change your beneficiary, if required, with a nomination form. … Continue reading →

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Pensions: Higher Rate Tax Relief to End?

Posted on November 10, 2011 by Ian Morrison CFP FPFS

Delaying your pension contributions could cost you dear if you are a higher or additional rate tax-payer. Continue reading →

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Annuity Rates Tumble to Record Low

Posted on October 25, 2011 by Ian Morrison CFP FPFS

Improving pension income at retirement Continue reading →

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Pensions – a one-way bet

Posted on October 21, 2011 by Ross Glanfield FPFS

Investing into a pension is a guaranteed way to treble your money for a 50% tax payer Continue reading →

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Options at Retirement: A Bewildering Choice

Posted on September 12, 2011 by Joel Adams CFP FPFS

Having taken the decision to save hard during your working life, the options available to you when the time comes to draw benefits from your pension plans can be bewildering. We have produced a Guide to the various Retirement Planning Options which is available to download. Continue reading →

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Size of Relief

Posted on July 22, 2011 by Mark Allen

Under the previous Government, using ISAs in retirement planning began to make real sense but, now the rules have been revised once again, does that still hold true? Continue reading →

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Annuities & Inflation

Posted on July 18, 2011 by Mark Allen

Building up a pension for your retirement takes many years and can involve short-term sacrifice in return for that longer-term peace of mind. Therefore, when you come to retire, you want to make the most of that pension fund and … Continue reading →

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Living to 100

Posted on July 11, 2011 by Mark Allen

It has long been accepted that improvements in medicine, lifestyle and an understanding of the effects which habits such as smoking can have on our health means life expectancy is increasing. Future generations will enjoy much longer and healthier lives on average than their predecessors. Continue reading →

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