Death in Service – Beware Hidden Tax Charges

Categories: Protection

As financial planners one of the first subjects we explore with clients is whether they have enough protection – Life Assurance, Critical Illness and Income Protection or sick pay. Arguably the most important topic of discussion is – what would happen if things went wrong? Would your family cope financially?

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Daniel Boden

Chartered Financial Planner

Keeping Calm on Troubled Waters

Categories: Protection

Since the end of September volatility has returned to markets. In recent days, some stability has been apparent but the scale of the movements are unwelcome and have been somewhat unnerving for both investors and observers.

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Ermin Fosse

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Investment Bonds: Onshore versus Offshore

Categories: Protection

Investment bonds are an effective tax planning tool, providing some investors with the ability to defer tax. This can be particularly beneficial for those subject to higher or additional rates. The location of the bond (is it based inside or outside of the UK) can add an additional layer of tax-efficiency and bonds based outside of the UK may not be as scary as their ‘offshore’ title might imply.

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James de Lisle Wells

Chartered Financial Planner and Partner

Market Review October 2018 (covering September)

Categories: Protection

Political developments on both sides of the Atlantic shared the common theme of entrenchment during September, as US-China relations continued to deteriorate and Theresa May stood resolute on her Chequers proposal. Markets largely shrugged off these developments and further M&A was seen in the UK, with the long-lasting takeover battle of Sky finally going the way of Comcast.

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Ermin Fosse

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