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Personal Finance

Life insurance policies »
We have recently received a few enquiries with regard to the application of time-apportionment relief (also referred to as 'non-resident relief'), with particular reference to UK life policies and the effect that certain transactions under policies can have on the relief.  In this article we provide an overview of the position.
Retirement Outcomes Review Interim Report »
The Retirement Outcomes Review Interim Report published by the FCA runs into 122 pages and invites responses to numerous questions raised throughout. The deadline for these responses is the 15 September 2017 with the full report due out in the first half of 2018. The interim report looks into how the retirement income market is evolving after the introductions of the pension freedoms.
CII to launch new pension transfers qualification »
The Chartered Insurance Institute (CII) is preparing the launch of a new pension transfers qualification following the Financial Conduct Authority's (FCA) proposals to tighten the advice requirements for the transfer of safeguarded benefits.
My PFS - Technical news - 4/07/17 »
Personal Finance Society news update from 21st June to 4th July 2017.
The consequences of the death of the settlor »
Financial advisers, whether or not they have been involved in the setting up of an earlier trust, are frequently called upon to assist with financial matters after a client or a relative of a client has died.  Frequently there are questions with regard to the administration of a trust that the deceased had set up during lifetime or there may be questions in relation to a trust that has been created under the deceased's will. Judging from our experience at Technical Connection particular problems often arise in connection with loan trusts and other inheritance tax (IHT) mitigation schemes.  This month we will consider the consequences of the death of a settlor under the different trust arrangements.
Mortgage market review July 2017 »
Mortgage market update for July 2017
Protection market review July 2017 »
Protection market update for July 2017
Dividend v salary v pension revisited »
In this third and concluding article in the series we look at more examples in the dividend v salary debate and then two final examples, involving a lump sum, which includes a pension.
The impact of the extended GAD tables »
From the date  that the changes to the capped drawdown GAD tables where announced in January it was unclear at what point they would need to be used from which caused a lot of confusion. A few days after the announcement that rates were to change, it was announced that these should be used from the 6th April. This raised even more questions given the GAD rates change on the 1st of the month so could cause some unfairness.
General Election June 2017: the aftermath »
Short paper outlining how the outcome of the General Election is likely to impact on the Government's forthcoming legislative programme.   
My PFS - Technical news - 06/06/17 »
Personal Finance Society news update from 24th May to 6th June 2017.
My PFS - Technical news - 20/06/17 »
Personal Finance Society news update from 7th to 20th June 2017.
Using trusts to gift property »
According to the latest estimates, HMRC's inheritance tax receipts are to be about £4,637m for 2015-16, which is an increase of 22% from 2014-15. Since 2009-10 IHT receipts have increased year on year on average by 12% each year. Some of it is due to the nil rate band being frozen at £325,000 since April 2009 but the main reason is rising asset values. Unsurprisingly perhaps at Technical Connection we receive an increasing number of questions about planning for effective reduction of estates through gifts. This goes hand in hand with the desire of many parents to help their children on the property ladder.
Are you thinking about all of the risks? »
One of the first discussions many planners have with new clients will be one that focuses on their views about risk. In many cases, this discussion is based on investment risk i.e. a risk versus return discussion in which you, as a planner, look to understand what tolerance your client has for the amount by which their portfolio value can vary over time.
Diversity is key for the new build market »
Prior to Legal & General New Build Club launching into the market three years ago, the industry was dominated by just two lenders. 



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