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Personal Finance

New tax year pension tasks »
Now we are in the new tax year it will soon be possible to get a grip on what allowances are remaining from the 2017/18 tax year with regards to the annual allowance and to check pension contributions for the previous years.   For those not subject to the tapered annual allowance it should have been possible to get accurate figures before the end of the tax year for any money purchase schemes and contributions but for those subject to the taper any small amount of taxable income will have an impact to the available annual allowance and therefore use of any carry forward from previous years.
Mortgage market review - April 2018 »
Mortgage market update for April 2018
Protection market review - April 2018 »
Protection market update for April 2018
My PFS Technical news 17/04/18 »
Personal Finance Society news update from 29 March to 11 April 2018 providing the latest information on taxation and trusts, investment planning and pensions.
Domicile and trusts: review of recent changes I »
A lot has happened in the last couple of years as regards the tax treatment of non-UK domiciled individuals as well as offshore trusts. Now that almost all of the changes have come into effect (the latest from 6 April 2018) it is a good time to review the issues relevant to those who are or have been affected by those changes. Principally we are concerned about individuals who are not domiciled in the UK but are either resident in the UK or own property here. This month we will concentrate on the fundamentals and next month we will consider some specific planning strategies that are still relevant.
My PFS Technical news - 03/04/18 »
Personal Finance Society news update from 15 - 28 March 2018 providing the latest information on taxation and trusts, investment planning and pensions.
Bypass Trusts and the 45% special lump sum death benefit charge »
As is well known, in the case of a member of a pension scheme dying aged 75 or over and a lump sum being paid to a personal discretionary/flexible trust (such as a by-pass trust), a 45% SLSDBC income tax charge will arise. On later payment of some or all of this amount to a beneficiary, the beneficiary will be taxed on the grossed-up amount but be entitled to a credit for tax previously suffered by the trustees.
Personal tax changes effective from 6 April 2018 »
A reminder of some of the less publicised changes to personal taxation, effective from 6 April 2018, which may impact on the clients of financial advisers.
Protection market review - March 2018 »
Protection market update, including; news, regulation & legislation, product development & innovation, consumer trends and experts corner.
Mortgage market review - March 2018 »
Mortgage market update for March 2018, including; news, regulation and legislation, product development and innovation, consumer trends and experts corner.
My PFS Technical news - 16/03/2018 »
News update on taxation & trusts, pensions and investment planning, for the period 1 - 14 March 2018.
Settlors and problems with mental capacity II »
Last month we looked at the application of some general principles for establishing mental capacity and how the loss of capacity impacts decision making, in particular in the context of will making and deciding to marry. We also looked at some recent guidance as to when attorneys can make gifts as part of IHT planning on behalf of the donor who has lost capacity. This month we look more specifically at capacity issues in the context of trusts. This could relate to the capacity of the settlor as well as the capacity of a trustee.
What should the last month have taught investors? »
Someone once told me that on average, we won’t remember 10% of what we read, 20% of what we see and 30% of what we hear. There is no way that’s true. I think we forget a lot more than that. Why else do I have to pause Game of Thrones every three minutes to google who a character is? And I’m paying attention in Game of Thrones! Memory gets even more challenging depending on where we were when we were trying to retain the information, what else was going on (in the room and in our lives) and how long ago it was.
Government Spring Statement 2018 »
Update on the Government's Spring Statement 2018, including the economy and tax data.
My PFS Technical news - 06/03/2018 »
Personal Finance Society news update 15 - 28 February 2018. Essential updates on taxation & trusts, investments and pensions.

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