New higher flat-rate state pension



One of the biggest overhauls of Britain’s pension system in decades The Government recently announced that up to 400,000 more Britons will qualify for a new higher flat-rate State Pension and they’ll introduce the reform a year earlier than expected. The simplified scheme will provide a weekly flat-rate payment of £144. The date has been […]

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FOOL’S GOLD



Demystifying some of the key fund management concepts We understand that the fund management industry has an array of jargon that can confuse both the novice and well-seasoned investors. Here we aim to demystify some of the key concepts. Fund types Funds exist to enable many investors to pool their money and invest together. This […]

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Striving to look at market opportunities in a rational way



Even in challenging markets there are opportunities to be found Post the credit crunch of 2008, the banking crisis, concerns over the Eurozone and continuing low interest rates have tested even the most unwavering investor. There is no doubt that these are some of the toughest economic conditions we have seen for many years. Even […]

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Glossary



A guide to the jargon of protection Assured A person or persons who are insured under the terms of a protection policy. Convertible Term Assurance A term assurance plan that gives the owner the option to convert the policy to a whole-of-life contract or endowment, without the need for medical checks. Critical Illness Cover Critical […]

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Business protection



Don’t overlook your most important assets, the people who drive your business Every business has key people who are driving it forward. Many businesses recognise the need to insure their company property, equipment and fixed assets. However, they continually overlook their most important assets, the people who drive the business – a key employee, director […]

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Trust arrangements



Do you have control over what happens to your estate, both immediately after your death and for generations to come? Following the changes introduced by the Finance Act 2006, trusts still remain an important estate planning mechanism. A trust arrangement can ensure that your wealth is properly managed and distributed after your death, so that […]

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Wealth protection



Without proper tax planning, could you end up leaving a huge tax liability? In order to protect family and loved ones, it is essential to have provisions in place after you’re gone. The easiest way to prevent unnecessary tax payments such as inheritance tax is to organise your tax affairs by obtaining professional advice and […]

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Making a Will



Providing peace of mind that your loved ones can cope financially without you A Will is an essential part of your financial planning. Not only does it set out your wishes, but, die without a Will, and your estate will generally be divided according to the rules of intestacy, which may not reflect your wishes. […]

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Long-term care funding



Greater clarity on how much care in ‘old age’ may cost In his Budget speech delivered in March 2013, the Chancellor, Mr Osborne, said this was a Budget for ‘an aspiration nation’. He explained this meant ‘helping those who want to keep their homes instead of having to sell it to pay for the costs […]

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Income protection insurance



How would you pay the bills if you were sick or injured and couldn’t work? Protecting your income should be taken very seriously, given the limited government support available. How would you pay the bills if you were sick or injured and couldn’t work? Income protection insurance, formerly known as ‘permanent health insurance’, is a […]

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