Financial Planning Solutions

tug of war

Bonds V Unit Trusts

There are many occasions where comparisons are sought between the taxation of unit trusts and the taxation of bonds as advisers try to determine the best route for a client’s investment.
Child money

 Lifetime Allowance and Pension options part 1

This article discusses the effects of the reduction in the Lifetime Allowance and the options available under pensions.

 Lifetime Allowance and Pension options part 2

This article discusses the effects of the reduction in the Lifetime Allowance and the alternative savings options other than your own pension.

Savings and dividend taxation bands and allowances

Previously we have written articles covering the new taxation rules surrounding savings income and dividends. Here we provide a series of scenarios to show how these interact with an individual’s personal allowance and tax rates.
pen and glasses

A future for the Investment Bond?

The tax changes effective from 6 April 2016 impact the attractiveness of different investment types - where does this leave the investment bond?
coloured housing

Let-to-buys more costly

HMRC consultation issued on 28 December 2015 reveals Stamp Duty Land Tax (SDLT) increases for additional properties will catch all let-to-buys but not all buy-to-lets.
Euro Flags

New EU succession laws

Those advising UK expats need to consider the implications of Brussels IV when advising their clients. Taking steps now may ensure that individuals avoid the possibility of Brussels IV impacting their succession plans.

Trusts - Simple yet effective

This article explains how trusts are simple yet effective financial planning tools. It provides an overview of why trusts should be used with Old Mutual Life Assurance policies.
Building skyline

Onshore and Offshore bonds

This ‘Back to Basic’ guide lays out some of the basic facts that should be considered and show some of the differences between onshore and offshore bonds.
Sale hangers

IHT planning and a discounted gift trust

The following article provides information about inheritance tax planning for UK domiciled individuals where a gift has been made and the individual still requires access to withdrawals.

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