Serenity

Protected Rights – new possibilities from April 6th

December 12, 2012 by TIna

Historically, many people chose to contract out of the State Earnings Related Pension Scheme using a personal pension scheme. Put simply, this meant that the money that would have gone into the State Earnings Related Pension Scheme (SERPS) went into their personal pensions instead – effectively, they were swapping known benefits from the Government for unknown (but potentially greater) benefits from their own pension scheme.

Pension tax relief changes – what does it mean for you?

December 11, 2012 by TIna

Category: Uncategorized

The annual allowance for tax-privileged pension saving was reduced from £255,000 to £50,000 in the 2011/12 tax year. Now the lifetime allowance on money that can be accrued in a pension fund and still receive tax relief, for tax years 2012-13 onwards, will be reduced and is set to fall from £1.8 million to £1.5 million from April 2012.

Financial Planning and Divorce

December 09, 2012 by TIna

Category: Uncategorized

No-one who is going through a divorce finds the process easy: it’s long, messy and almost always painful. Even if there are no children involved, divorce is a procedure that takes its toll on both sides: the acrimony, the paperwork – and the inevitable meetings with your solicitor.

Difficult choices – ISAs or Pension savings

December 07, 2012 by TIna

Category: Uncategorized

In the UK, we may be putting more savings into stocks and shares ISAs than into personal pensions. Reporting on savings trends in the 2010/2011 tax year, the Office for National Statistics (ONS) said savers put £14.3bn into personal pensions in that tax year, compared with £15.8bn into stocks and shares ISAs.

The Chancellor’s Autumn Statement

December 06, 2012 by TIna

Category: Uncategorized

It was a sign of the times that the first official word on George Osborne’s Autumn Statement was a tweet from his boss. David Cameron told his 178,514 followers on Twitter: We are on the right track and making progress.

The New Approach to Financial Planning

December 06, 2012 by TIna

Category: Uncategorized

For a number of years, advisers have been preparing for the introduction of new rules, know as the Retail Distribution Review (RDR). These affect the way financial advice is delivered and how you pay for it.

Our insights

Protected Rights – new possibilities from April 6th

Pension tax relief changes – what does it mean for you?

Financial Planning and Divorce

Difficult choices – ISAs or Pension savings

The Chancellor’s Autumn Statement

The New Approach to Financial Planning

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