I was surprised to read read quite recently that more than one in four (27 per cent) people aged over 55 do not realise that they have to pay tax on pensions savings if they take the money as cash, according to new research from Legal & General (L&G). L&G’s report, Price of Freedom, highlighted […]

Did you know that Insurance Premium Tax (IPT) costs each household more than £200 per year, and raises more than beer and cider duty, while also rising faster than taxes on cigarettes, despite half the population having never heard of it. Levied at 12% on most general insurance premiums, IPT has doubled in the past […]

Never give up on a dream just because of the time it will take to accomplish it.  The time will pass anyway.   Earl Nightingale

Well that’s the budget over and done with.  You heard it all in the budget speech in the House of Commons.  Didn’t you?  Well no you didn’t.  There are a number of items that never came to light in the budget speech, but are published in the small print that maybe, just maybe, the Government […]

Dementia is a big and growing problem (Part 2) In Part 1 we looked at the astronomical cost of Care.  In Part 2, we look at how Advisers can help. Means tested support starts when capital is below £23,250 The financial limit, known as the ‘upper capital limit’, exists for the purposes of the financial […]

“You may delay, but time will not” —Benjamin Franklin