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5 auto enrolment options

5 auto enrolment options

As an employer you should be aware of auto enrolment and what it means for your business. With your auto enrolment staging date approaching fast you are probably looking around at how to comply with the legislation. What are your auto enrolment options? This article...

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Would you like to retire at 70?

Would you like to retire at 70?

How attractive is the idea of retirement at age 70? Probably not very! A recent speech by an influential adviser to the Government, has raised the realistic possibility that the State pension should be only available from age 70. This could happen sooner than you...

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What is auto enrolment?

What is auto enrolment?

Read this if you are an employer. A major change in pensions legislation is about to affect you, and you can't avoid it. This is known as auto enrolment. All employers are required by law to set up a new pension scheme for your staff and contribute to this scheme...

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The Single Tier State Pension from 2016

The Single Tier State Pension from 2016

No doubt you have heard a lot about the Single Tier State Pension, which is due to come into force for all those who become entitled to their State Pension in the UK from April 2016. This article examines the main proposed changes, as the legislation passes through...

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How does pension tax relief work?

How does pension tax relief work?

This article should tell you what you need to know about tax relief on pensions. Key points How pension tax relief works Reclaiming pension tax relief for higher rate tax payers and self employed Claim your free retirement checklist What is a pension plan? A pension...

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Pension options on divorce

Pension options on divorce

If you are getting divorced then you will probably need to take account of pension assets in your financial settlement. This article explains the 3 main pension options on divorce. Key points Pensions can be a difficult asset to assess on divorce There are 3 main...

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How to choose a retirement annuity

How to choose a retirement annuity

This article explores how you can choose a retirement annuity and will help you to make decisions about the options available to you. There are many options when considering a retirement annuity, and the decisions can seem daunting. This article will show you how to...

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How much is my business worth?

How much is my business worth?

  If you are thinking of selling your business you will probably start by asking "How much is my business worth?" This is a good place to start, but we want to challenge you to think differently. We want to encourage you to think about a different question: "How...

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FSA becomes FCA

FSA becomes FCA

You may not be aware of it, but we are now regulated by a new regulator. The Financial Services Authority (FSA) is no more, and has been replaced by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA). What is changing for you? Well,...

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Property vs investments

Property vs investments

Have you ever wondered which is better - property or investments? This article tackles this issue and compares property vs investments. Key points: Why compare property vs investments? Definitions of property and investments Issues to consider Why do we compare...

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How we secure your financial data

How we secure your financial data

Have you ever heard the shocking stories about how financial institutions lose their clients' data - causing real worries for their clients?  We take our responsibilities in this area very seriously, so we thought it would be useful to document how we secure your...

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Delaying the state pension – how & why

Delaying the state pension – how & why

You may be approaching your state retirement age, but might be thinking that you do not actually need to take this money.  Perhaps you do not need the income, or you might be planning to carry on working or earning after that period.  If you do not need to take the...

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Avoid the regrets of the dying

Avoid the regrets of the dying

I recently read an interesting post on the regrets of the dying. This was a blog post written by a former palliative care nurse, who shared her thoughts on the regrets people shared with her as they faced their own death.  It seems that we can all take stock of our...

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Financial planning and inflation

Financial planning and inflation

Inflation is a big part of financial planning, since it is one of the biggest reasons why people do not achieve their long-term goals.  Inflation is the general increase in costs to buy goods over time.  In the UK this is measured by the Retail Prices Index (RPI) and...

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Business exit strategy

Business exit strategy

  When we talk to business owners, they usually tell us that their business is their pension.  Of course, this may be true, but it can be notoriously difficult to quantify this since a business will only be worth what someone else is prepared to pay for it. We...

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Dan Woodruff. Certified Financial Planner and Chartered Wealth Manager, Colchester, Essex

Unit 5, Park Lane Business Centre, Park Lane, Langham, Colchester, Essex CO4 5WR

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