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Q & A Tax and Pensions
Don't go away until you've read these excellent sources of ideas on tax and pensions.
00:01 | 22 Dec 2008
| By
Kevin Pacey
A client who does not see the benefits of a conventional annuity could be a suitable candidate for other options on the market, writes Bank of Scotland's Kevin Pacey.
00:01 | 19 Dec 2008
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Colin Jelley
If a client’s pension arrangements include a protected pre-A-Day pension commencement lump sum, postponing fund consolidation could maximise the tax-free cash they can take before taking income.
00:01 | 15 Dec 2008
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Ben Shaw
Your client’s shareholders are unhappy about his company’s final salary pension. They want it de-risked. A pensions buyout may be the solution, but the trustees will need persuading. How do you advise your client?
00:01 | 12 Dec 2008
| By
Brian Lawless
What alternatives are there to conventional pension schemes when it comes to retirement planning, investment and income, particularly if the client is somewhat risk-averse and hates paying tax?
00:01 | 08 Dec 2008
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Robert Graves
Purchasing an annuity is the most common course of action for a retiree. The main alternative is the alternatively secured pension (ASP), but there is one further option: the scheme pension, says Robert Graves of Rowanmoor.
00:01 | 05 Dec 2008
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Paul Wilcox
Speedy action can help to reduce the costs of settling an estate by taking advantage of an HMRC concession that allows falling asset prices to be rebased for probate purposes, says WAY Group's Paul Wilcox.
00:01 | 01 Dec 2008
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John Dunn
When a client has a personal pension and an occupational pension, the order in which they take the benefits can affect the total benefits payable, so the options should be weighed up carefully, says John Dunn of James Hay.
00:01 | 28 Nov 2008
| By
Charles Hutton
The recession could present a good opportunity to mitigate the costs of inheritance and capital gains tax for clients wishing to bequeath assets onto the next generation, writes Charles Hutton of Speechley Bircham LLP.
00:01 | 24 Nov 2008
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Dave Harris
The fictional case study from Living Time's Dave Harris that follows shows how important it is for advisers to explain to their clients the potential advantages on offer if they shop around for the annuity that best reflects their needs.
00:01 | 21 Nov 2008
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Jeremy Pearson
Conservative Party proposals to effectively do away with IHT should be treated as a ‘tenuous election promise’ and financial planning should be conducted using known facts.
00:01 | 17 Nov 2008
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Ben Shaw
Ben Shaw, the development director of Occupational Pensions Trust says that recovery plans for DB pension schemes may sound scary to clients but do not necessarily entail a huge cash injection. The key is to agree a decent recovery period with the regulator and realistic contributions with trustees.
00:01 | 14 Nov 2008
| By
Colin Jelley
... if, however, your clients rely on UK intestacy laws to divide up their estate after death, advisers should make it clear they run the risk of any intended beneficiaries losing out according to Colin Jelley, head of tax and financial planning at Skandia.
00:01 | 10 Nov 2008
| By
Robert Graves
Reports of the demise of SSASs now that Sipps can accept protected rights funds are premature, writes Robert Graves of Rowanmoor Pensions.
00:01 | 07 Nov 2008
| By
Mark Summers, Lisa-Jane Fawcett
Setting up a limited partnership can help clients mitigate IHT when passing on wealth through generations, write Mark Summers and Lisa-Jane Fawcett of Speechly Bircham.
00:01 | 03 Nov 2008
| By
Andrew Tully
How safe is your client’s pension at their previous employer? With many businesses feeling the strain, advisers may want to consider the options available before the Pension Protection Fund becomes involved, writes Standard Life's Andrew Tully.
00:01 | 31 Oct 2008
| By
Mike Warburton
Investing in furnished holiday accommodation has several tax advantages and advisers who get to grips with how to qualify for this relief can present a compelling case to interested clients even in the current climate, suggests Mike Warburton of Grant Thornton UK.
00:01 | 27 Oct 2008
When your client wants to move abroad and take his pension with him, what options does he have? A Qrops would appear to be the answer.
00:01 | 24 Oct 2008
| By
Colin Jelley
Clients with pre-A-Day pension pots that may exceed the new lifetime allowance can reel in tax savings with enhanced protection.
00:01 | 20 Oct 2008
| By
Steve Folkard
What issues does a company face when it wants to continue with existing pension schemes in the wake of personal accounts and the stringent quality criteria that have to be met? AXA's Steve Folkard reports.
00:01 | 17 Oct 2008
| By
Peter Rayney
Financial advisers who are familiar with laws on entrepreneurs’ relief and special elections can reduce the tax bills of clients who make financial gain from the sale of companies whose shares they hold, writes Peter Rayney of BDO Stoy Hayward.
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