November 2017


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  • Technical: Ordering of absolute gifts in IHT planning

    23 May 2017

    Continuing her series of IHT and estate planning articles for Professional Paraplanner, Kim Jarvis, technical manager, Technical Services Team, Canada Life looks at absolute gifts and in particular a potentially exempt transfer (PET) in relation to a chargeable lifetime transfer (CLT). In my last article I considered two structures where a client can make a...

  • Tories social care cost proposals get mixed reaction

    18 May 2017

    In its manifesto the Conservative Party outlined its plans to tackle the social care crisis. These policies include increasing the threshold for free social care from £23,250 to £100,000. It also said it would extend the deferred payment plan to those receiving care at home. The scheme, currently available to those who decide to go into a care home, involves...

  • LISA confusion for saving employees

    16 May 2017

    Two in five (39%) employers believe the Lifetime Isa (LISA) will cause confusion for employees looking to save, according to the latest Close Brothers Business Barometer, a quarterly report surveying 900 employers in the UK. Yet despite the anticipated effects, just 20% of the 900 UK employers surveyed said they plan to react by...

  • Order of Gifting – The Flexible Friend

    9 May 2017

    When can a client make a gift for IHT purposes but still continue to receive a benefit? Kim Jarvis, technical manager, Technical Services Team, Canada Life, looks at two structures that offer this capability. The suitability of different estate planning solutions will depend on the individual’s own circumstances, needs and objectives. As this series has...

  • Powwow Down South – highlights from the discussions

    8 May 2017

    Rob Kingsbury reports on discussions from the recent paraplanner mini-Powwow held in London. [Powwows are held under Chatham House rules whereby the content may be reported but not who said what.] When planning this first 2017 Powwow Down South, the three organisers – Alan Gow of Argonaut Paraplanning, Nathan Fryer of Plan Works and Dan Atkinson of...

  • Technical: Order of Gifting – Why lend first?

    26 April 2017

    Following on from her last article in this series on IHT and estate planning where Kim Jarvis, technical manager, Technical Services Team, Canada Life, examined the order of gifting and how getting it wrong could be costly but getting it right could save a massive amount in inheritance tax, over the next few weeks, here...

  • Over 5.5 million people saved more into pensions since pensions freedoms

    17 April 2017

    New research from Aegon has found that 14% of working age people are saving more into their pension as a direct result of the pension freedoms. This equates to some 5.5 million people in the UK contributing more to a private or workplace pension because of the reforms. This increased level of saving is reflected...

  • Technical: IHT and estate planning – Order of Gifting

    11 April 2017

    In her sixth article for Professional Paraplanner on IHT and estate planning, Kim Jarvis, technical manager at Canada Life, highlights the pitfalls when gifting assets and the importance of doing so in the right sequence. When passing accumulated wealth to future generations it is essential to consider the order in which gifts are made...