-
By: Administrator
on 20 March 2013
This afternoon Chancellor George Osborne has presented his 2013 Budget to the House of Commons and the awaiting nation. Recent Budgets have seen savers hit hard; annual pension ...
-
By: Administrator
on 12 March 2013
In
the run up to the end of the tax year, it’s important that you consider
all the tax relief/exemptions and allowances that the Government
offers. Remember, many of these will ...
-
By: Administrator
on 13 December 2012
Here's a summary of the changes announced in the Chancellor's recent Autumn Statement. CHANGES TO PENSION LIMITS Contributions The Annual Allowance in 2014/15 will be £40,000 having reduced ...
-
By: Nigel Murdock
on 28 September 2012
Welcome to Pension Matters, produced by Torquil Clark. Every month I will update you on the latest legislation and news surrounding corporate and personal pension planning. To find ...
-
By: Rachel Jefferson
on 27 September 2012
By Rachel Jefferson, Chartered Financial Planner at Torquil Clark. In times of market volatility, pension funds can rise and fall in value. If you are close to ...
-
By: Ian Hill
on 17 August 2012
Welcome to Pension Matters, produced by Torquil Clark. Every month I will update you on the latest legislation and news surrounding corporate and personal pension planning. To find ...
-
By: Ian Hill
on 10 July 2012
Welcome to Pension Matters, produced by Torquil Clark. Every month I will update you on the latest legislation and news surrounding corporate and personal pension planning. To find ...
-
By: Ian Hill
on 22 June 2012
It is no secret that from October 2012, every employer, starting with the largest by payroll size, will have to automatically enrol eligible workers into a qualifying workplace ...
-
By: Rachel Jefferson
on 22 June 2012
One of the greatest pleasures of my job is seeing someone I have provided advice to reach retirement having saved enough to give them the freedom they desired. ...
-
By: Ian Hill
on 08 June 2012
Welcome to Pension Matters, produced by Torquil Clark. Every month I will update you on the latest legislation and news surrounding corporate and personal pension planning. To find ...
-
By: Ian Hill
on 10 May 2012
Welcome to Pension Matters, produced by Torquil Clark. Every month I will update you on the latest legislation and news surrounding corporate and personal pension planning. To find ...
-
By: Ian Hill
on 18 April 2012
In just a few months we will see the phased introduction of auto-enrolment of and other associated employer duties resulting from the pension reforms. This is not without ...
-
By: Paul Jones
on 18 April 2012
Around this time of the year every accountant, business consultant and financial adviser worth their salt will be reminding you of the ways to save tax on the ...
-
By: Ian Hill
on 13 April 2012
Welcome to Pension Matters, produced by Torquil Clark. Every month I will update you on the latest legislation and news surrounding corporate and personal pension planning. To find ...
-
By: Rachel Jefferson
on 22 March 2012
Budget Summary Described by some as a ‘budget for millions’ and others as a ‘budget for millionaires’, this year’s budget is certainly a political gamble for the Coalition ...
-
By: Ian Hill
on 09 March 2012
Welcome to Pension Matters, produced by Torquil Clark. Every month I will update you on the latest legislation and news surrounding corporate and personal pension planning. To find ...
-
By: Craig Evans
on 02 March 2012
With the end of the current tax year quickly approaching, we’ve highlighted some of the key financial matters you may need to consider before you miss out. Fixed ...
-
By: Rachel Jefferson
on 14 February 2012
In my 16 years in this industry, it still amazes me that people do not take advice when they decide to take their pension benefits. For me, this ...
-
By: Administrator
on 13 February 2012
With the impending reduction in the Lifetime Allowance from £1.8 million to £1.5 million, quirks in the legislation means that for certain individuals looking to take benefits over ...
-
By: Administrator
on 13 February 2012
The lifetime allowance, the tax efficient ceiling for pension savings, will be reduced from £1.8 million to £1.5 million on 6 April 2012. To negate this, a new ...
-
By: Ian Hill
on 08 February 2012
Welcome to Pension Matters, produced by Torquil Clark. Every month I will update you on the latest legislation and news surrounding corporate and personal pension planning. To find ...
-
By: Rachel Jefferson
on 27 January 2012
This morning the postman delivered my monthly subscription to the Which? Magazine. I was really hoping for an independent review on dishwashers, since this is my next electrical ...
-
By: Administrator
on 24 January 2012
First introduced back in April 1988 as the benefit format for contracting-out of the State Second Pension via money purchase pension arrangements, Protected Rights will bow out in ...
-
By: Rachel Jefferson
on 20 January 2012
By Rachel Jefferson. Every day this week I have come across a horror story around the subject of people not making a Will or, even worse, not drawing ...
-
By: Ian Hill
on 09 January 2012
For those who have anything remotely to do with pensions 2012 will be an important year. Some have even suggested that it will be the most important year ...
-
By: Ian Hill
on 09 January 2012
Welcome to Pension Matters, produced by Torquil Clark. Every month I will update you on the latest legislation and news surrounding corporate and personal pension planning. To find ...
-
By: Paul Korobejko
on 15 December 2011
How many times have you been told that Inheritance Tax (IHT) could eventually wipe a large amount from the value of your estate on death, gone away, thought ...
-
By: Ian Hill
on 15 December 2011
With the introduction and prospect of employers having to auto-enrol their ‘eligible job holders’ into a pension scheme, starting next year, millions of employees will be saving in ...
-
By: Ian Hill
on 07 December 2011
Welcome to Pension Matters, produced by Torquil Clark. Every month I will update you on the latest legislation and news surrounding corporate and personal pension planning. To find ...
-
By: Administrator
on 30 November 2011
Torquil Clark has won the prestigious Gold Standard Award for Independent Financial Advice for the eighth consecutive year and was presented the award in the House of Commons ...
-
By: Tom Biggar
on 29 November 2011
In essence this was a budget which just reminds us all that Britain’s books will not be balanced by the next election. With the Eurozone sliding towards recession, ...
-
By: Paul Korobejko
on 23 November 2011
When you were a youngster do you remember chuckling at the silly antics of Freddie and the Dreamers, or singing along to Herman’s Hermits? If so, you’re probably ...
-
By: Ian Hill
on 23 November 2011
Next year will see the start of a huge revolution in the provision of workplace savings. Pensions auto-enrolment, under which all employers will be compelled to offer most ...
-
By: Ian Hill
on 07 November 2011
Welcome to Pension Matters, produced by Torquil Clark. Every month I will update you on the latest legislation and news surrounding corporate and personal pension planning. To find ...
-
By: Ian Hill
on 25 October 2011
It is the Government’s plan that most employees should join a pension scheme by automatic enrolment through their employer. The starting date for auto enrolment will be October ...
-
By: Paul Korobejko
on 25 October 2011
In my job as a financial adviser the current pace of change is moving faster than I’ve ever known; it and clients are needing to run fast if ...
-
By: Ian Hill
on 24 October 2011
It has been widely reported that pensions minister, Steve Webb, has warned employers they will have to pay for independent financial advice to every defined benefit (DB) scheme ...
-
By: Craig Evans
on 13 October 2011
Equity Release schemes were once looked down on as a product for those struggling to make ends meet in retirement, but that’s no longer the case. New and ...
-
By: Ian Hill
on 06 October 2011
Welcome to Pension Matters, produced by Torquil Clark. Every month I will update you on the latest legislation and news surrounding corporate and personal pension planning. To find ...
-
By: Paul Korobejko
on 26 September 2011
Sometimes, I think too many of us in the professions, including perhaps solicitors and accountants, make assumptions about clients’ expectations from us without asking them what they think....
-
By: Ian Hill
on 23 September 2011
Employers are still in the dark over their role, risks and responsibilities when promoting pensions to employees. This is a strong indication that the Pensions Regulator (TPR) will ...
-
By: Administrator
on 14 September 2011
National Savings and Investments have always been a sturdy choice for savers. Last week the announcement to close Index Linked Saving Certificates to new money was unexpected and ...
-
By: Ian Hill
on 09 September 2011
Welcome to Pension Matters, produced by Torquil Clark. Every month I will update you on the latest legislation and news surrounding corporate and personal pension planning. To find ...
-
By: Paul Korobejko
on 17 August 2011
I’ve come to realise that it is not easy for the public to seek out a good Independent Financial Adviser (IFA) without some degree of initial apprehension. Quite ...
-
By: Ian Hill
on 17 August 2011
2012 seems like a long way off (unless you are a potential Olympic athlete struggling with an injury) however, the timing of the first ‘staging date’ for employers ...
-
By: Tom Biggar
on 10 August 2011
After recent losses, and subsequent gains, the markets are again down as a result of continued concern over debt and a slowdown in global economic growth. The stock ...
-
By: Ian Hill
on 08 August 2011
Welcome to Pension Matters, produced by Torquil Clark. Every month I will update you on the latest legislation and news surrounding corporate and personal pension planning. To find ...
-
By: Tom Biggar
on 05 August 2011
Last week began with the US Government finally reaching an agreement on its deficit with a cutting programme of at least $2.1 trillion dollars over the next ten ...
-
By: Ian Hill
on 28 July 2011
On 16 June 2011 the International Accounting Standards Board (IASB) published a revised version of its planned amendments to the international accounting standard IAS 19 (Employee Benefits). It ...
-
By: Administrator
on 25 July 2011
On Saturday 6th August 2011 we are hosting a financial
planning clinic from 9.30am until 1pm at our office in St Mark's Church
in Chapel Ash, Wolverhampton. Rachel Jefferson, ...
-
By: Ian Hill
on 20 July 2011
Employers should be preparing for the abolition of the Default Retirement Age (DRA) from 1 October 2011, which will change how they deal with people approaching retirement age ...
-
By: Paul Korobejko
on 20 July 2011
High earners have been feeling hard done by in recent times with income tax now reaching 50% for some and effective rates even higher for people in certain ...
-
By: Ian Hill
on 07 July 2011
Welcome to Pension Matters, produced by Torquil Clark. Every month I will update you on the latest legislation and news surrounding corporate and personal pension planning. To find ...
-
By: Ian Hill
on 02 June 2011
Welcome to Pension Matters, produced by Torquil Clark.
Every month I will update you on the latest legislation and news surrounding corporate and personal pension planning. To find ...
-
By: Administrator
on 27 May 2011
On Saturday 25th June 2011 we are hosting a financial
planning clinic from 9.30am until 1pm at our office in St Mark's Church
in Chapel Ash, Wolverhampton. Rachel Jefferson, one ...
-
By: Ian Hill
on 06 May 2011
Welcome to Pension Matters, produced by Torquil Clark. Every month I will update you on the latest legislation and news
surrounding corporate and personal pension planning. To find out ...
-
By: Ian Hill
on 08 April 2011
Every business in the land is focused on navigating its way through the difficult trading conditions we all find ourselves in. So you would have thought that our ...
-
By: Ian Hill
on 07 April 2011
Welcome to Pension Matters, produced by Torquil Clark.
Every month I will update you on the latest legislation and news
surrounding corporate and personal pension planning. To find out ...
-
By: Ian Hill
on 18 March 2011
The Annual Allowance (the maximum amount of pension
savings an individual can make in any one tax year without incurring a
tax charge) is reducing from its current level of ...
-
By: Ian Hill
on 02 March 2011
Welcome to Pension Matters, produced by Torquil Clark Employee Benefits. Every month I will update you on the latest legislation and news
surrounding corporate and personal pension planning. To ...
-
By: Ian Hill
on 01 February 2011
Welcome to Pension Matters, produced by Torquil Clark Employee Benefits. Every month I will update you on the latest legislation and news
surrounding corporate and personal pension planning. To ...
-
By: Ian Hill
on 27 January 2011
The Pension Act 2008 is due to come into force in 2012, and with this
comes the legal duty upon employers to ensure that they enrol most
employees into a ...
-
By: Ian Hill
on 10 January 2011
Welcome to Pension Matters, produced by Torquil Clark Employee Benefits. Every month I will update you on the latest legislation and news
surrounding corporate and personal pension planning. To ...
-
By: Administrator
on 16 December 2010
As part of the pension shakeup by the new coalition
government, one of the more welcomed changes is the end to the
requirement to buy an annuity by age 75. ...
-
By: Administrator
on 01 December 2010
We are delighted to announce that we have won the 2010 Gold Standard Award for Independent Financial Advice. The Awards aim to identify financial services companies
that demonstrate a ...
-
By: Paul Jones
on 14 October 2010
Following today's announcement from the Treasury that the
annual pensions allowance will be cut from its current level of £255k to
£50,000 and the lifetime allowance will drop from £1.8 ...