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PENSIONS – Changes in the Financial Planning Landscape

PENSIONS CHANGES IN THE FINANCIAL PLANNING LANDSCAPE Since the introduction of the new pension rules in April, pension savers have been taking out around £27 million a day from their pots, according to the Association of British Insurers (ABI). Most commentators agree that there has been no rush to buy Maserati’s or to take world cruises, it seems that retirees are exercising more prudence in planning for their financial futures.…

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Help to Buy ISA’s for First Time Buyers

HELP TO BUY ISAS Many first time buyers struggling to save enough to put down a deposit for their first home will welcome the government’s new scheme to encourage home ownership. Called the Help to Buy Individual Savings Account (ISA), it launches on 1st December 2015. It is designed to help future buyers aged 16 or older, faced with soaring property prices, save towards their first step on the property…

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10 good reasons to pay into a pension before April

10 good reasons to pay into a pension before April To help, I’ve put together 10 reasons why you may wish to boost your pension pots before the tax year end. 1. Immediate access to savings for the over 55s The new flexibility from April will mean that clients over 55 will have the same access to their pension savings as they do to any other investments. And with the combination…

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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 – currently planned to take place in December 2014 as part of the pension freedom reforms.

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