Estate planning

General election 2015: What parties’ pension tax plans mean for your clients

Political parties' plans for pensions tax after the general election are set to hit the highest earners the most,...

The myriad ways to invest a £300k pension pot

Most prudent savers have adopted a “wait and see” approach rather than rushing to make decisions in the first two weeks of the new pension freedoms. They now have unrestricted access to their pension pots, whereas in the past many had no option but to buy an annuity. For some a reliable income will be the priority, whereas others will focus on what they can leave to their children.

Electioneering: Assessing the Tory IHT/pension tax relief pledge

It seems scarcely a Budget or Autumn Statement goes by without some change to the tax treatment of private pension plans. It is, therefore, unsurprising...

Death benefits: Mike Morrison explores potential pitfalls

Undoubtedly, one of the biggest changes to the pension rules has been the removal of the so-called ‘death tax' of 55% on crystallised funds. There...

Calling all advisers: Enter the Retirement Planner Awards 2015

Are you the best of the best when it comes to retirement advice? If so, now is the time to enter the second annual...
A case study special on death benefits post-pensions freedom

Case study special: Death benefits post-pensions freedom

The case study Fidelity retirement director Alan Higham (AH) came up with the following scenario… Death benefits Brian Bowers is a recent client. He is 65 years...
Rewriting the rules on retirement planning

Missed opportunity: Osborne should have canned lifetime allowance

Last year's Budget packed such a powerful pensions punch that the 2015 announcement felt a bit limp in comparison. The new flexibilities announced in 2014...

Lasting power of attorney restrictions explained

The Mental Capacity Act 2005, governing lasting power of attorney, comes with certain restrictions which limit the decisions that can be made by an...
Retirement wrappers: Do pensions still trump ISAs?

Retirement wrappers: Do pensions still trump ISAs?

Speaking at the second Retirement Planner breakfast briefing, in association with Prudential, head of technical Les Cameron gave advisers in the room his take on...

Three golden rules: Key Retirement Solutions’ new approach

Monday 6 April 2015 will be remembered as a watershed moment for the pensions industry, when everyone aged 55-plus with a defined contribution pot...
 

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