Saving for the true cost of University

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The true cost of University can be quite scary 
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72 Hits

The Pension Protection Fund

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The PPF pays different levels of compensation, depending on your circumstances:
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46 Hits

The State Pension

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Here is some information about the New State Pension, who is eligible and how much they will receive. We have included some examples to help you out.
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57 Hits

Pension relief reduction for high earners

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From April 2016 the amount of tax relief on pension contributions will be gradually reduced, by reducing the annual allowance from £40,000 to £10,000 for those individuals with an ‘adjusted income’ of over £150,000 and who have an income (excluding pension contributions) in excess of £110,000.
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31 Hits

Pension death benefits

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It is important to understand pension death benefits. These are paid as a lump sum or drawdown pension to any beneficiary if death occurs before the age of 75.  
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32 Hits

All you need to know about buying an annuity

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An annuity is a product which pays a regular income in exchange for a lump sum.  An Annuitant is a person receiving the annuity. Here we explain the different types of annuities that are currently available in the marketplace. The option you choose is very much dependent on your own circumstances.
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39 Hits

Why you should use an Independent financial adviser and why the cost is worthwhile.

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If you have a Pension Fund and/or an Investment you will probably be in one of 3 categories:- 1/ You haven’t got a clue what is going on with them and probably think that the the provider is looking after it for you anyway.
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2368 Hits

Lifetime allowance pension protection

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Individuals who have pension savings of greater than £1.25 million on 5 April 2014 can apply for individual protection 2014. Here we tell you more about how this works.
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47 Hits

The information our clients see about their pensions

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We believe it is very important that you fully understand all the details about your pension. We pull key facts together and run through these with you as shown in the example below.
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41 Hits

Our Core Investment Process - Centralised Investment Portfolios

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We are Independent Financial Advisers, this means that we can advise you to invest across a whole marketplace, with any provider and any type of appropriate type of investment.
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10 Hits

Pension Risks

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There are certain risks associated with pensions. We point out some of the major risks below which we would urge you to consider seriously before committing yourself to a pension.
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55 Hits

Salary sacrifice advice

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Salary sacrifice is offered by some employers so their employees can receive increased pension scheme contributions.  It's not an effective way of saving for everyone so, if your employer offers salary sacrifice, you should make sure you benefit before signing up.
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50 Hits

Annual Allowance Tax-Free Pension Statement

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The amount an individual can contribute to a pension fund is between £3,600 and up to the amount of their earnings within the current tax year, but not more than £40,000 which is called the annual allowance.
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69 Hits

What Was 'Opting Out' Of State Pension All About

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The number of people we meet as advisers who don’t understand opting out is incredible. Not that it is complicated to understand – it is just that no one bothered to explain it to us!
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48 Hits

Why is it important to start saving early for your pension?

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The sooner you make the decision to start contributing to your pension, the greater your income in retirement will be.  Here why explain why this is important.
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31 Hits

Tax relief on pension contributions

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Individuals will receive tax relief at their highest tax band rate (i.e. 20%, 40% or 45%) on all contributions within the annual allowance.
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27 Hits

Annual Pension Statement Translation

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Are you confused by your pension statement? It can be difficult to understand so we provide you with a simplified annual report which translates your pension statement so that you understand what it is doing for you.
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32 Hits

Investing property into your pension

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The main reasons for having a SIPP (Self-Invested Personal Pension) or an SSAS (Small Self-Administered Scheme) pension is to place an investment property into the pension (or to invest directly in shares).  
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35 Hits

Divorce and pension sharing advice

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If you are going through a divorce and looking for financial advice from an IFA, an Independent Financial Adviser about pensions and pension sharing on divorce or your investments contact us.
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78 Hits

Options at retirement

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From 6 April 2015 the rules relating to defined contribution pension arrangements relaxed, from age 55 an individual is given unlimited access to their defined contribution pension funds and can withdraw as much or as little as they like.
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72 Hits