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Market volatility can feel unsettling, even for experienced investors. Sudden price swings, triggered by economic events or market sentiment, often lead to uncertainty and hesitation. However, what many fail to see is that volatility also creates opportunities for growth.
Popular tags: Portfolio management, market volatility, investment planning, investment advisers, portfolio diversification, independent financial advisers
For married couples, the rules surrounding inheritance tax in the UK include several allowances and exemptions that can make a significant difference. However, to fully benefit from these provisions, careful planning and attention to detail are essential.
Popular tags: inheritance tax, inheritance tax for married couples, inheritance tax in the uk, nil rate band, residence nil rate band, inheritance tax threshold, inheritance tax planning, independent financial advisers, minimise inheritance tax
Setting up a pension after a pension sharing order is not just about moving money; it’s an opportunity to reassess your long-term goals, align your investments, and establish a secure foundation for the future. Taking swift, informed action not only safeguards your financial independence but also sets the stage for effective retirement planning.
Popular tags: Pension sharing order, what is a pension sharing order, divorce and pension sharing, setting up a pension, pension planning, retirement planning, independent financial advisers
In the UK, annuities offer a range of options that can align with different retirement income needs, each carrying its own advantages and considerations. Choosing the right type of annuity can provide a secure foundation for retirement, helping to manage longevity risk and offer stability in the face of economic fluctuations.
Popular tags: Retirement planning, wealth management, financial advisers, independent financial advisers, financial advisers UK, retirement income strategy, annuities, annuities in the uk, annuity rates in the uk, annuities and tax, income drawdown, legacy planning
National Insurance contributions (NICs) are payments made by employees, employers, and the self-employed to fund the UK’s social security and welfare systems. These contributions help finance the state pension, certain unemployment benefits, and other entitlements, ensuring that individuals have a baseline of financial security.
Popular tags: National insurance contributions, national insurance rates, ni contributions, national insurance contribution for self employed, rate of ni contributions, retirement planning, pension planning, financial planning, independent financial advisers
Not only does carry forward enable you to boost your contributions, but it also allows you to benefit from tax relief on those contributions—something that can make a substantial difference for higher earners.
Popular tags: Carry forward allowance, pension planning, retirement planning, pension advice, independent pension advice, independent financial advisers, tapered annual allowance, money purchase annual allowance
One attractive feature for many retirees is the option to withdraw a portion of their pension as a tax-free lump sum. This provides the flexibility to access up to 25% of your pension pot without facing tax liabilities.
Popular tags: Tax free pension lump sum, pensions and tax free lump sum, tax free lump sums from pensions, maximum tax free pension lump sum, tax free cash from pension, tax free cash withdrawal, pension planning, retirement planning, independent financial advisers
Calculating pension contributions involves understanding several key components: your type of pension scheme, the total amount of contributions made by you and your employer, how your investments grow, and how tax relief can boost your savings.
Popular tags: Calculating pension contributions, calculate pension contributions, pension contributions, pension planning, retirement planning, independent financial advisers, how to calculate your pension, types of pension plans uk, defined benefit pensions, defined contribution pensions
In recent years, ESG investing in the UK has transitioned from a niche interest to a mainstream strategy, reflecting a growing consensus among investors that financial returns need not come at the expense of societal welfare and environmental sustainability.
Popular tags: Esg investing, environmental social and governance, environmental social and governance investing, what is esg investing, sustainable investing, esg funds, socially responsible investing, ethical investments, investing ethically, esg investments, independent financial advisers, esg portfolio management
Navigating the landscape of retirement planning in the UK, one encounters various investment vehicles designed to secure a stable financial future. Among these, annuities stand out for their promise of consistent income. However, the taxation of annuities remains a complex area, often leading to confusion among retirees.
Popular tags: Retirement planning, annuities, taxation of annuities, taxes on annuities, standard life annuities, purchased life annuities, annuities in the uk, annuity taxation, annuity rates in the uk, tax treatment of annuities, standard life annuity rates, standard life annuities, purchased life annuities, estate planning, independent financial advisers
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Note: This page is for information purposes only and should not be considered as financial advice. Always consult an Independent Financial Adviser for personalised financial advice tailored to your individual circumstances.