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Call Richard Cook: 07770 575 122

email: richard@theinvestmentandretirementcoach.co.uk

Savings

Unclaimed pension pots

£19.4 billion unclaimed pension pots. Is any of it yours?

  Yet another reason why reviewing your pension arrangements should be close to the top of your “to-do” list. But where do you start? Only 9% of UK adults use a Financial Adviser. Finding one prepared to help if you only have modest funds is virtually impossible and your pension provider will probably not be […]

Lloyds Customers beware

Lloyds customers beware the new Schroder’s financial planning offer.

During my 30 years as a financial planner, the High Street Banks had many a foray into financial planning only to withdraw and try again. This latest Lloyds Bank/Schroders venture doesn’t look to be any better. They claim to be able to undercut the fees charged by St. James Place but still come up with […]

Stock- market recovery? Don’t bank on it.

At the time of writing this the FTSE 100 Index is back above 6000, a gain of over 20% from the March 23rd low, with the Dow Jones recording an even better recovery. So why am I concerned and feel the need to sound some notes of caution? I have over 30 years of experience […]

Higher rate pension tax relief at risk – again!

New government, new chancellor, and once again press reports are indicating that higher rate relief on pension contributions are at risk. As my regular blog readers will know we have been here many times before when the threat has come to nothing. However, that does not mean that it should be ignored. If you are a […]

IHT Gifting: making the most of the exemptions

One of the greatest joys of being a parent or grandparent is helping out children and grandchildren financially, whilst reducing potential inheritance tax bills. Unfortunately this is not as simple as it should be and there are many pitfalls to avoid. Getting guidance/advice is also not straightforward. Legal fees are expensive as is advice from […]

Five million savers at risk of pension scams

The FCA and Pensions Regulator have warned that 5 million savers could be at risk of pension scams. They also conclude that those who consider themselves smart or financially savvy are just as likely to fall foul of the scammers as anyone else. Offers of high returns in investments such as overseas property, renewable energy, bonds, […]

Would you like to be £8,000 better off courtesy of HMRC?

If you are a higher rate tax payer aged over 55 read on. If not unfortunately this is not for you. This is not theory. It is exactly what one Hargreaves Lansdown client achieved just before the end of the tax year. She was aged 57 and would have paid higher rate tax on about […]

Will pension transfer values fall significantly?

Transfers out of final salary pension schemes have soared over the last couple of years largely on the back of sky high transfer values. Is that about to end? I spotted something last week which certainly got my attention and yet seems to have been missed by most of the press. Tesco, when announcing their annual results, […]

Inheritance Tax – time to take another look

Few people know that death taxes have been with us since 1694. They certainly are not going to go away any time soon so not having a plan makes no sense at all. It is often said that there are only two certainties in life – death and taxes. It is when they both turn […]

Year End Tax Planning

Don’t miss out on great tax planning opportunities because of past bad pension experiences. The 19th March 2018 was the fourth anniversary of the Budget which announced the unexpected and welcome introduction of the “pension freedoms” which have turned the pension world upside down and produced so many tax planning possibilities. Unfortunately prior to that […]

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