Friendly & Professional Financial Advice in Dartmouth, South Hams, Devon
07773 005147 or 01392 581004

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For Professional and Friendly Financial Advice, to give you peace of mind, and the freedom to live the way you choose.

Pension Reform update

Is the Pension pot ‘half full’ or ‘half empty’ following the Pension Reforms of 2014? Pension freedoms Clarified In July the government released a response to its consultation into pension reforms due to take effect from April 2015. The foundations of the reforms remain unchanged – anyone with defined contribution pensions will have unrestricted access to their retirement pots so they can make withdrawals and only pay marginal tax on…

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Pension Death tax due to be reduced

Pension Death tax due to be reduced Pensioners will be able to leave more cash to their loved ones when they die after the government announced plans to reduce the death tax on pension pots. Currently, a charge of 55% is levied on any remaining invested pension when the pension holder dies. However in July 2014, the Treasury announced plans to reduce the levy in this year’s Autumn Statement –…

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The Importance of writing a Life Policy in Trust

Not often considered, but a vital and valuable part of Financial Planning are the use of Trusts and writing a life policy in Trust, but what is a Trust? In broad terms, a trust is simply a way of gifting property. Any type of property such as shares, buildings and cash can be the subject of a trust. You can also use a trust to make a gift of a life policy…

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The Mortgage Market Review and what it means to myself and my clients

Its been a few months now since the enforcement of the Mortgage Market Review from the FCA and there are still a few clients questioning why and how this will effect them, so to help out out clients, here is a bit of information relating to the Mortgage market Review, (MMR) What is the ‘Mortgage Market Review’ and how will it effect me and obtaining a mortgage? Mortgage Market Review…

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New Intestacy Rules come into force

In the first change of its kind since 1926, new Intestacy rules come into effect from today that will change the way in which relatives inherit assets from someone who has died without a Will. In short, particularly for non-married couples, it’s vital to make a Will for your clients to ensure that those they wish to inherit their Estate actually do so. A summary of the changes include: Unmarried couples No change – Despite pressure to allow people who have lived together for a number of years to inherit some part of their partner’s Estate, the new intestacy laws still make no provision for ‘common law’ partners – even those who have children with the deceased. The only way non married partners can inherit each other’s Estate is to make a Will. Married…

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Trevor Branton is a registered individual of Clearwater Financial Planning Limited
who is an Appointed Representative of Intrinsic Financial Planning Ltd and Intrinsic Mortgage Planning Ltd,
which is authorised and regulated by the Financial Conduct Authority.
Intrinsic Financial Planning Ltd & Intrinsic Mortgage Planning Ltd is entered on the Financial Services Register under reference 440703 &440718