Don't go away until you've read these excellent sources of ideas on tax and pensions.
00:01 | 15 Aug 2008
| By
Colin Jelley
If tax-free withdrawals for the life of an investment plus no capital gains tax on the asset at death seem too good to be true, read on for a reality check.
00:01 | 01 Aug 2008
| By
Paul Wilcox
Clients who are thinking of retiring to Spain should be reminded that their tax worries do not end, rather they may double. An experienced UK adviser and a Spanish tax expert will be able to provide an efficient solution.
00:01 | 25 Jul 2008
| By
Stacey Love
What options do elderly siblings have for keeping their home when one of them dies? Not many it would appear, apart from downsizing and investing the surplus.
00:01 | 21 Jul 2008
| By
Billy Mackay
A rule-change due this October will give protected rights pension funds access to the full range of permitted Sipps investments. The added competition and choice this will bring can only be good for investors.
00:01 | 18 Jul 2008
| By
Mike Warburton
Changes on interest relief and more recent legislation on capital gains tax mean buy-to-let portfolios can still be used as a useful component for retirement funding if borrowings are carefully structured.
07:00 | 14 Jul 2008
| By
Ian Westwater
When Eva Reddy catches her husband doing the dirty with his secretary, IFA Marlowe advises her on the quickest way in which she can get her hands on a piece of his hefty pension pot as part of the divorce settlement.
00:01 | 11 Jul 2008
| By
Brian Lawless
Those taxpayers facing a hefty income tax bill if the government forges ahead with plans to introduce retroactive legislation over income shifting should consult an expert in the area. Solutions are on hand.
07:00 | 07 Jul 2008
| By
Rachel Vahey
By combining the best features of annuities and income drawdown, 'third way' products offer guaranteed income along with flexibility to change income level, control investments and potential for a lump sum payout
07:00 | 04 Jul 2008
| By
Colin Jelley
CGT changes mean that people who raise profit from investments may face higher tax bills. But an advantage to the higher exemption level is that tax-free withdrawals may be easier to make.
00:01 | 30 Jun 2008
| By
Andrew Tully
About £100 billion is sitting in clients’ protected rights funds but advisers must start searching out which ones have large enough pots to benefit from being moved into a self-invested personal pension.
00:01 | 27 Jun 2008
| By
Jeremy Pearson
If you have a self-invested pension, ensuring that your money goes to the right people on your death takes some planning
00:01 | 23 Jun 2008
| By
Ben Shaw
As employers fall on hard times defined benefit schemes do not always have to resort to the government rescue vehicle. While the Pensions Protection Fund remains a last resort, quite often a better solution will be on offer.
00:01 | 20 Jun 2008
| By
Peter Rayney
Shareholders must take direct positive action as the entrepreneurs’ relief rules come into effect. And if such action is to effectively reduce the burden of capital gains tax, it must be planned well in advance.
07:00 | 16 Jun 2008
| By
Aston Goodey
Rising longevity is increasing the risk of retired people ending up with inadequate income because of the effects of inflation, especially if they want to pursue an active lifestyle. With-profits annuities may provide one answer.
07:00 | 13 Jun 2008
| By
Colin Jelley
07:00 | 09 Jun 2008
| By
Mike Morrison, Witherthur Life
What are the options available to a business owner who wants to purchase his company’s premises? It turns out there are at least three choices and buying via a pension may not necessarily be the best.
07:00 | 06 Jun 2008
| By
Stacey Love
Inheritance tax planning can be confusing at the best of times, but it becomes even more complicated and restrictive when the householders seeking advice are siblings who are living together
07:00 | 02 Jun 2008
| By
Steve Folkard
Dealing with unauthorised payments from a left-over fund on death under an ASP contract could be simplified if the scheme administrator could settle the whole tax charge at an early stage.
07:00 | 30 May 2008
| By
Brian Lawless
07:00 | 26 May 2008
| By
Robert Graves
Sipps have many qualities to recommend them but so too have SSASs. With the FSA’s review of Sipp advice on the horizon, financial planners would do well to remember the latter scheme may sometimes be more suitable.
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