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Archive for August, 2015

The Great Fall of China

Well what a week we have just witnessed. Global investment markets went into a panic on Monday after China experienced its worst day of trading since 2007 with the main stock market, the Shanghai Index, falling by around 8.5% Elsewhere…

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Planning for a Change of Circumstances in Farming

Have you, or will you in the future, receive a lump sum from the sale of your farm or farm land? Have you considered how your income will be affected should you choose to retire from farming? Have you considered…

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Using Trust Planning to Save Inheritance Tax

This case study demonstrates how Goldstone Wealth was able to advise and assist one client with their investment requirements. The problem:  Paying tax unnecessarily on your investments The benefit:  Mitigating Inheritance Tax, reducing income tax and reduced investment risk Suitable…

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Saving Tax by Managing Life Assurance Efficiently

This case study demonstrates how significant tax and National Insurance savings can be made by managing your life assurance efficiently. Life Assurance The problem: Paying for life assurance after-tax income The benefit:  Life assurance premiums become a business expense Suitable for: Directors and…

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Reviewing Retirement Goals and Pensions

This case study demonstrates the importance of reviewing your pension plans regularly. The problem: Pension had not been reviewed for a number of years The benefit: Knowing clearly how your pension pot will support you in retirement Suitable for: Everyone with personal pension…

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What is a Discretionary Fund Manager?

A Discretionary Fund Manager is an Independent Fund Manager that runs a bespoke portfolio for individual clients.

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What is a SIPP?

A Self Invested Personal Pension. This is a pension scheme that allows you to invest in a whole range of funds and other assets not just those of Insurance Company. You can also appoint a Discretionary Fund Manager to manage…

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Why Should I Make A Will?

Making a Will ensures that your wishes are carried out after you die.  If you die intestate (without a Will) the Rules of Intestacy from 1925 apply and decide who inherits your possessions after you die. Relying on this law…

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What is auto enrolment?

Automatic enrolment is a government initiative designed to encourage saving for retirement. It started in October 2012 and is being rolled out across the UK so that by 2018 all employers will have to provide a workplace pension which eligible...
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What is Lifetime Allowance (LTA)?

There’s also the Lifetime Allowance (LTA), which is the maximum you can have in all your pensions without paying extra tax. For most people, from 6th April 2015 the LTA is £1.25m. In the 2015 Budget it was announced that...
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