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How does the Pensions Dashboard link to advice?

It’s fair to say that the development of the Pensions Dashboard has been slow and whilst speculation continues to mount whether the Government will abandon it altogether, they remain silent on the matter despite a petition to save it receiving in excess of 100,000 signatures. We last wrote about

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Are you co-habiting?

A recent landmark ruling by the Supreme Court has put pressure on the Government to review the rules around inheritance and tax rules for co-habiting couples and extending civil partnerships to heterosexual couples.

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The Budget – what will affect you?

In the run up to any Budget we usually see speculation, forecasts and expectations, but it’s not until the actual day of the delivery speech that we see what will really transpire.

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How do you measure success in a business?

Success in a business can be measured in a myriad of ways and is often heavily dependent on who runs the business, but It is likely that success will present itself in one or more of the following ways:

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HMRC’s Inheritance Tax receipts continue to grow

Inheritance Tax (IHT) was first introduced in 1986 and is a tax levied on a person’s estate when they die. This includes property, money and personal possessions.

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Almost half of mortgages now fee free

Nearly half of mortgages are now fee free, as lenders compete to attract borrowers who are looking to keep their costs to a minimum.

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What’s the most important factor for your retirement income?

Official statistics from HMRC in July 2018 show that flexible payments taken from pensions have exceeded 500,000 for the second quarter in a row*.  In quarter 2 of 2018 over 570,000 payments were made to over 260,000 people totalling in excess of £2.2 billion.

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Did you previously contract out of the State Pension scheme?

How much you are entitled to receive under the State Pension scheme is based upon your National Insurance (NI) record and those retiring after 6 April 2016 will need 35 years’ National Insurance Contributions (NIC) in order to qualify for the full entitlement.

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Defined Benefits or flexibility

Probably the most high profile and contentious issue that currently exists in the UK financial advisory world is that of Defined Benefit (DB) pension transfers. That is, the decision taken by an individual (after taking financial advice) to transfer away from an environment where at a determined

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Have you triggered the Money Purchase Annual Allowance?

Following the introduction to the Money Purchase Annual Allowance (MPAA) on 6th April 2015, people can be easily caught out on the events which trigger it. Many people don't know what they are, so we have listed them below:

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