September 2017


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  • Pension Annual Allowance: ‘Scheme Pays’ key dates

    17 September 2017

    Mike Morrison, head of platform technical at AJ Bell, examines Scheme Pays, the options and the key dates of which paraplanners should be aware. It has been six years now since ‘Scheme Pays’ was first introduced and it brought with it much needed flexibility by allowing pension scheme members to pay their annual allowance...

  • Utmost Wealth launch capital redemption option

    14 September 2017

    Utmost Wealth Solutions has continued its development with the launch of a capital redemption option on its Dublin-based Delegation and Selection bonds. This enhancement complements the capital redemption option that is already available on the Group’s Isle of Man-based portfolio. The addition to the Dublin offering comes just three months after the launch of...

  • Mitigating tax charges if the Lifetime Allowance increases

    11 September 2017

    Advisers and paraplanners must prepare for an increase in the Lifetime Allowance next April, if the September inflation remains high, as timings could prove crucial in managing clients’ tax charges, according Nucleus. The wrap platform says the decision to raise the lifetime allowance after years of lowering it could mean substantial tax savings for...

  • Real life case study: Property in SIPP

    24 August 2017

    Elaine Turtle, Director, DP Pensions, describes a situation where a client’s proposed property purchase for his SIPP was hit by a legislative snag and how it was finally resolved. Some time ago we had a situation on a property case that you don’t see very often. An adviser we know well, Joe, came to us with...

  • Technical: Passing wealth down the generations

    21 August 2017

    Fiona Tait, technical director, Intelligent Pensions looks at the ways that paraplanners can help baby boomer clients pass on their wealth tax efficiently. A key issue for financial planning is how to help baby boomer clients pass on their wealth to their descendants without giving the majority away in taxes. There are a number...

  • Planning for death should be part of every review meeting

    14 August 2017

    Mike Morrison, head of Platform Technical, AJ Bell, looks at ONS figures and how they may affect pre- and a post- age 75 financial plans In theory, pensions are to provide you with an income for the rest of your life. In practice, many people look forward and plan to leave as much as...

  • Switching multi-member SIPPs

    19 July 2017

    Nigel Bennett, sales and marketing director at InvestAcc, talks about the increasing number of established professional firms who are reviewing their pension arrangements, switching to new SIPPs and transferring commercial property from legacy plans. Recently, there has been a pronounced spike in enquiries for multi-member SIPP arrangements, where a review of their existing scheme...

  • ‘Self-employed’ gig economy workers could enter auto-enrollment

    17 July 2017

    Does the submission of food delivery service Deliveroo to the government’s review of employment practices hint at change in employment law around the self-employed? In  its response to the government’s review of employment practices conducted by Matthew Taylor Deliveroo said if employment rules are changed they would give their workers certain benefits including pensions, which...