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Best Price Financial Advice

Welcome to our resource centre.

Familiarise yourself with all things financial using our handy guides and bi-monthly magazine. We'll also keep you up-to-date with all the latest news and views from the finance sector, all available at the touch of a button.

Welcome to the May/June 2015 issue. As the days are staying lighter for longer and the weather begins to warm up, we are also experiencing some major changes on the financial landscape post-Budget 2015: the start of a new financial year, 'pensions freedom day' and a General Election. The enclosed publication was produced prior to the General Election outcome, so we'll look at how the results could impact on your financial plans in the next issue.

Most people now have more options when it comes to their retirement choices. But generally they'll still want their pension income to last their lifetime – so careful planning is a must. Since 6 April, when Britain's pension system underwent a seismic change (known as 'pensions freedom day'), we've been asked many different questions by our clients about the breadth of the reforms and how they may affect them. On page 04, we provide answers to our top ten most frequently asked questions.

In his final Budget speech to parliament on 18 March, the Chancellor of the Exchequer, George Osborne, announced that Britain was 'walking tall again' after five years of austerity. We've provided our summary of the ten key announcements that could impact on your personal financial plans, both positively and negatively. Turn to page 10 to find out more.

Now that we've entered a new tax year, if you are already planning how you are going to fully utilise your current Individual Savings Account (ISA) tax-efficient allowance, it's not just about picking investments wisely – it's also important to make sure you hold them in the most suitable place. On page 06, we look at the top ten highest performing sectors over the previous decade.

In a survey by the National Association of Pension Funds (NAPF) of people aged 55-70 with private pensions, 47% who had a private pension were worried people would be mis-sold unsuitable products due to the new pension rules, 44% felt people might make bad financial decisions and two thirds (36%) were worried about pension scams. Read the full article on page 07.

The full list of the articles featured in this issue appears on page 02.

We hope you enjoy reading this issue and find it informative. To discuss any of the articles featured, please contact us.

Welcome to the March/April 2015 issue, in which we provide an informed insight that extends across both the financial planning and the tax calendar as we enter a very important time of the year.

With the biggest pension reforms in a lifetime rapidly approaching on 6 April, are you ready for how these reforms could potentially affect you, whether now or in the future? The wide media coverage that followed the 2014 Budget announcements talked of pensions in the future being used as bank accounts and new pension freedoms leading to long waiting lists for Lamborghinis. On page 04 we look at what pension freedom could mean to you.

It's vital to know why you're investing. The first step is to have a good think about your financial situation and your reasons for investing. But whatever your personal investment goal may be, you need to consider your time horizon at the outset. On page 10 we consider why it makes sense to revisit your investment goals at regular intervals to account for any changes to your personal circumstances.

If you are keen to take advantage of the New Individual Savings Account (NISA) allowance, now increased to £15,000, and make the most of your tax-efficient savings, time is running out. You only have until 5 April to fully utilise your 2014/15 NISA allowance, after which it will be lost forever. Find out more on page 09.

Tax planning is a very complex area covering many forms of tax. No one likes paying more tax than they legally have to but one of the challenges of wealth is the high taxation it attracts. For some individuals the need for specialist professional advice has never been greater. With the current tax year end rapidly approaching, on page 08 we've provided some tax planning areas for you to consider before 6 April 2015.

The full list of the articles featured in this issue appears on page 02.

We hope you enjoy reading this issue. To discuss your financial planning requirements or to obtain further information, please contact us.

Financial guides and downloads

Financial Guide Title Date
Download Now

Guide to the Budget 2015
THE KEY ANNOUNCEMENTS THAT COULD INFLUENCE YOUR FINANCIAL PLANNING DECISIONS IN THE YEAR AHEAD AND BEYOND

Are your financial plans still on track following Budget 2015?

There may have been a number of announcements in Budget 2015 that could impact on your financial plans, especially around pension freedoms and savings. If you would like to review your current situation to ensure that your plans are still on track, please contact us.

May 2015
Download Now

Guide to Inheritance Tax Planning
PLANNING AHEAD TO ENSURE THAT YOUR ASSETS ARE PASSED ON TO YOUR LOVED ONES AS EFFICIENTLY AS POSSIBLE

Inheritance Tax in the UK may be one of life's unpleasant facts, but with planning and quality advice, we could help you pay less tax on your estate

There are many options available to tackle the problem of Inheritance Tax (IHT). It's important to remember that when you die, your estate could be subject to IHT if it's worth more than the IHT threshold. With careful planning, you could reduce the amount payable – but it can be complex. To arrange a consultation with one of our advisers, please contact us to discuss your requirements.

May 2015
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Guide to Pensions Freedom
HELPING YOU MAKE THE MOST OF YOUR NEW FREEDOMS... YOUR QUESTIONS ANSWERED

Time to choose how to access your pension benefits?

From 6 April 2015, greater flexibility has been awarded to those who have pensions in the UK. Along with being able to access your pension pots from the age of 55, you can now opt between a larger variety of options when choosing how to access your pension benefits. If you are confused about your new pensions freedom options, please contact us for professional expert pension advice from our team.

May 2015
Download Now

A Guide to New Pensions Freedom
GIVING PEOPLE MORE CONFIDENCE TO SAVE INTO A PENSION

How much income will you need in retirement?

The earlier you start planning for your retirement, the better. We can help you work out how much income you'll need in retirement and whether you may need to make extra pension contributions to achieve that. To find out more about how we could help you, please contact us.

March 2015
Download Now

A Guide to New Individual Savings Accounts
THE NISA WAY TO GROW YOUR TAX-EFFICIENT WEALTH

Is it time to be more tax-efficient with your money?

Remember that any unused NISA allowances cannot be carried forward to the next year. To take full advantage of your 2014/15 tax-efficient NISA allowance, or to find out more about how we can help you grow your wealth or income requirements, please contact us.

March 2015
Download Now

A Guide to Pension Consolidation
BRINGING ALL OF YOUR SEPARATE PENSION PLANS TOGETHER INTO ONE SINGLE PENSION POT

Should i consolidate my pensions?

If you're unhappy with your existing pension arrangements, and you consider that your funds are not performing, it may make sense to consolidate. To find out more about how we can help you review your options, please contact us.

March 2015
Download Now

A Guide to Wealth Management
FINANCIAL ADVICE THAT ADAPTS AS YOUR NEEDS CHANGE OVER TIME

A shared understanding of your wealth objectives

We help individuals create, increase and protect their wealth. Our aim is to make the management of your wealth as effortless and efficient as possible. The service we offer is designed to build a shared understanding of your wealth objectives and to translate these ambitions into actions. To find out more, please contact us.

January 2015

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