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Personal Finance

Protection market review June 2017 »
Protection market update for June 2017
Q3 2017 Regional Conferences Announced »
Focus of the Q3 regional conferences will be on changing mindsets to address the savings gap and pensions planning.
My PFS - Technical news - 23/05/17 »
Personal Finance Society news update from 10th to 23rd May 2017.
Changing face of pension planning »
Since the pension freedoms there has been a great deal of discussion about consumers cashing in their pensions as soon as possible after age 55 and living on the bread line through retirement. This may well be the case for those with smaller pots, but those that have saved significant amounts both in and outside their pensions will be looking at their pension pots in different ways such as an IHT vehicle. This will clearly mean that the conversations held with advisers will be changing. It won't necessarily be about how and when they access their funds, but more about what other assets to rely on to preserve their pension benefits for future generations. This will mean advising clients for longer on their pensions as it may no longer be secured by way of an annuity at some point before death. In addition, moving pensions from secure income in a defined benefit schemes are appealing to those wanting to preserve funds beyond their death.
Dividend v salary v pension revisited »
In this second article we examine, with examples, a few typical situations that put some numbers behind the general consideration of the relative position of dividends or salary as the most effective means of withdrawing money from a company for shareholding directors.  But before doing so we would point out that since the first article was written, the Finance (No2) Bill 2017 received Royal Assent.  One of the clauses in the Bill that was omitted from the Act was the one to reduce the dividend allowance from £5,000 to £2,000 with effect from tax year 2018/19.  We must wait until after the June General Election to see whether the new government will legislate for the reduction.
My PFS - Technical news - 09/05/17 »
Personal Finance Society news update from 26th April to 9th May 2017.
Are pilot trusts dead and buried? »
It has been suggested that, following the introduction of the rules on same-day additions to existing settlements in the Finance Act 2015, there is no longer room for pilot trusts in estate planning. Is this really the case? Is IHT planning using the Rysaffe principle still viable?
Mortgage qualifications a must for advisers »
The Society's recent survey found 61% of members supported a standalone lifetime mortgage qualification for pensions and investment advisers so they could sell such products without having full mortgage qualifications.
Mortgage market review May 2017 »
Mortgage market update for May 2017
Protection market review May 2017 »
Protection market update for May 2017
Pensions independent governance committees: perceptions of value »
Summary of extensive research into the new Independent Governance Committees set up by defined-contribution pension providers.
My PFS - Technical news - 25/04/17 »
Personal Finance Society news update from 11th to 25th April 2017.
Tax efficient savings »
Many times we hear "my property is my pension" where people are talking about their home or buy to let portfolio but by combining property and pensions more tax efficiency could be achieved.
Dividend v salary v pension revisited »
Considering the options and tax consequences for funds derived from profits is only really relevant in relation to owner/managers of private limited companies.  Profits derived by the self-employed are assessed to tax on the sole trader no matter how those profits are spent.  The same is true for partners and members of a LLP - they are taxed on their share of profits whether it is drawn or not.
FCA Business Plan 2017-18, Risk Outlook and Future Mission »
The FCA Business Plan sets out potential risks and priorities for the year. Technology figures strongly on the regulator's list of areas to watch for.

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