What’s happening out there in international financial markets?  Wan't to know more about  pensions, investments and taxes? How could changes in legislation affect you and your finances?  Keep up to date with my financial advice based blog.

SIPP FAQ - Frequently asked questions

What is a SIPP?

A SIPP is an acronym for a Self Invested Personal Pension. It is a UK government approved pension scheme, sometimes referred to as a pension wrapper. A SIPP allows an individual to make their own investment selection and decisions. A SIPP can offer a much wider investment selection than most stakeholder pensions allowing you to take much more control over your pension pot, whilst offering more flexibility than employer pensions or other private pension plans.

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Pensions and Divorce

The law surrounding pensions and divorce is extremely complicated and although you and your ex-partner can agree to offset your pension without a court order this may not be practical or possible.

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proud to be the winner of the Best International Financial Planner Award 2018

Delighted to have won Best International Financial Planner Award 2018 at the AES International conference in London this week! Helping to make clients healthy, wealthy and wise:-)


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Remember all of the stresses of moving abroad for the first time? When you move back to your home country, you will have to put some of the things you did before you moved in reverse. All of the same aspects will require your attention when you repatriate. Things like shipping companies, pet relocation, schooling, health facilities, and importantly all of the financial aspects, From a financial point of view be aware that moving back home can affect your tax situation, your savings and your investments. Here are some key areas to consider:

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The UK Lifetime allowance is the total value of pension savings that can be accumulated without a tax charge. We have previously seen the lifetime allowance fall from 1.8 million, down to 1.5 million and now it has been reduced yet again from £1.25 million to £1 million from 6 April 2016. 

So how does this work? Well, savers will pay tax on any excess savings above the Lifetime Allowance Limit. The rate of tax depends on how savers receive the excess. If it is in the form of a lump sum, then the rate of tax is an eye-watering 55 percent. If it is in the form of a regular pension, the excess is taxed at 25 percent. This is on top of your marginal rate of tax.

It is expected that this will generate tax of approximately £1.92 billion by 2019/20.

Now you may be sat there thinking this won’t affect me! But even if 1 million pounds seems like a long way off, it is still an important consideration.

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