Long-term care

There is no panacea when it comes to paying for care

Long-term care provision in the United Kingdom has been the subject of much debate and analysis over the past decade, yet the issue of how to fund the cost of that care for future generations remains unresolved. Much of the debate has revolved around how the State should address the problem.
Continue reading “Long-term care”

Buy-to-let landlords acquiring more properties

Interest rate cuts tempting property investors back in to the market

Landlords have been buying more properties in the last quarter according to a survey. The Association of Residential Letting Agents (ARLA) quarterly survey revealed a “bounce back” in the buy-to-let market. In the ARLA members’ survey of the Private Rented Sector (PRS) for the second quarter of this year, nearly twice as many ARLA members reported landlords are buying more properties.
Continue reading “Buy-to-let landlords acquiring more properties”

Locating a lost pension

Tracing service may provide the help you need!

If you think you may have an old pension but are not sure of the details, the Pension Tracing Service may be able to help. They will try and match the information you give them to one of the schemes on their database and inform you of the results. If they have made a match they will provide you with the contact address of the scheme(s) and you can get in touch with them to see if you have any pension benefits.
Continue reading “Locating a lost pension”

Inheritance tax planning

Keeping your hard earned assets out of the hands of the taxman

Effective inheritance tax planning could save your beneficiaries thousands of pounds, maybe even hundreds of thousands depending on the size of your estate. At its simplest, inheritance tax (IHT) is the tax payable on your estate when you die if the value of your estate exceeds a certain amount.
Continue reading “Inheritance tax planning”

Financial protection for you and your family

With the abundance of choice, we can help you make the right decisions

With so many different protection options available, making the right decision to protect your personal and financial situation can seem overwhelming. There is a plethora of protection solutions which could help ensure that a lump sum, or a replacement income, becomes available to you in the event that it is needed. We can make sure that you are able to take the right decisions to deliver peace of mind for you and your family in the event of death, if you are too ill to work or if you are diagnosed with a critical illness.
Continue reading “Financial protection for you and your family”

What type of investor are you?

Building a solid investment strategy through good and bad times

During this period of economic turbulence, what strategy should investors take? Your own attitude to risk is crucial. You may be comfortable to live with capital risk if it means the chance of a higher return in the end. Alternatively, you may be ‘risk averse’ and don’t want to risk your capital under any circumstances.
Continue reading “What type of investor are you?”

Planning your retirement income

Maximising an income from your pension fund

The earliest you are currently permitted to take your retirement benefits is from the age of 50, but this is set to rise to age 55 from April 2010. If you are considering setting up a conventional lifetime annuity, which pays a secure income for life, there is now no requirement to buy an annuity by the age of 75. However, you must start to take your benefits from the age of 75, in addition to any tax-free element.
Continue reading “Planning your retirement income”