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Inheritance Tax
October 2019
Making financial gifts
Inheritance Tax
October 2019
  Passing on your assets effectively whilst you’re alive Some people like to transfer some of their assets whilst they are alive – these are known as ‘lifetime transfers’. Whilst we are all free to do this whenever we want, it is important to be aware of the potential implications of such gifts with regard to Inheritance Tax. The two main types are potentially exempt transfers (PETs) and chargeable lifetime transfers (CLTs). Read full article
Retirement Planning
October 2019
Saving adequately for the future
Retirement Planning
October 2019
  How much should you try to save to have a comfortable retirement? The number of people saving enough for a comfortable retirement has hit its highest ever level, with almost three in five Britons (59%) now saving adequately for the future[1]. This is a significant improvement from the 55% proportion recorded 12 months ago, suggesting this April’s auto-enrolment step-up had an immediate positive impact on saving habits. Read full article
Insurance
October 2019
Financial support
Insurance
October 2019
  Looking after your lifestyle during a time of uncertainty Nobody wants to worry about how they’ll pay the bills if they become sick or injured and can’t work. But illness or injury can strike at any time and can lead to serious financial trouble. The latest government figures[1] report the dramatic increase in the likelihood of long-term sickness absence when we age, leading to an employment absence of four weeks or more. Read full article
Pensions
October 2019
Cashing out
Pensions
October 2019
  Pension changes brought a whole new range of options to consider Unadvised retirees who are now able to dip into their pension are having to return to work to cope with juggling their finances, according to a new report[1]. Pension freedoms have given individuals control over how to spend their retirement savings, but a number of unintended consequences have emerged. Since rules governing how pensions can be taken were dramatically relaxed in 2015, more than a million over-55s have gone on a freedom-fuelled spending spree. Read full article
Investment
October 2019
Pooled Investment funds
Investment
October 2019
  Investing in different things, with different strategies Pooled investment funds – also known as ‘collective investment schemes’ – are a way of combining sums of money from many people into a large fund spread across many investments and managed by a professional fund manager. Read full article
Investment
October 2019
Boosting investment returns
Investment
October 2019
  Out of adversity comes opportunity Under new Prime Minister Boris Johnson, the Government has toughened its stance on a no-deal Brexit, which it has said is ‘now a very real prospect’. 23 June marked three years since the UK voted to leave the European Union. Read full article
Farnham Community News
October 2019
Fish Financial becomes the principal partner of Farnham Rugby Club
Farnham Community News
October 2019
Fast growing firm of independent financial advisors, Fish Financial Ltd has become the principal partner of Farnham Rugby Club in a substantial three-year sponsorship deal. As principal partner, Farnham-based Fish Financial will have pride of place on the club’s playing… Read full article
Financial Planning
September 2019
Wealth preservation
Financial Planning
September 2019
  The 6 things you need to consider to help preserve your wealth Whether you have earned your wealth, inherited it or made shrewd investments, you will want to ensure that as little of it as possible ends up in the hands of HM Revenue & Customs. With careful planning and professional financial advice, it is possible to take preventative action to either reduce or mitigate a person’s beneficiaries’ Inheritance Tax bill – or mitigate it altogether. These are some of the main areas to consider. Read full article
Retirement Planning
September 2019
Not ready to give up working and retire?
Retirement Planning
September 2019
  Almost half of UK employees expect to work beyond the age of 65 When you picture yourself in your golden years, are you sitting on a beach, hitting the golf course or working behind a desk? Not ready to give up working and retire? For those who find adjusting to retirement difficult, the transition can be made smoother by working. For many, working provides more than a salary. It provides happiness and purpose, and staying in the working world can provide many lifestyle benefits in addition to financial gains. Read full article
Pensions
September 2019
Taxing times ahead
Pensions
September 2019
  Don’t be penalised by the tax system when you exercise your freedoms The ‘pension freedom’ reforms of 2015 were welcomed by consumers, as they vastly widened options available to most savers at retirement. Pension freedoms allow savers to have the flexibility on how and when to spend their money without being penalised by the tax system, but it is worrying that some individuals plan to withdraw more than the tax-free lump sum limit. Read full article