November 2017
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  • Investing for vulnerable clients

    24 July 2017

    For those looking after the financial affairs of vulnerable individuals, the responsibility of managing someone else’s money is onerous. In this article, Graeme Robb, Senior Technical Manager at Prudential explores the legal background to this common issue. Key points • The Office of the Public Guardian (OPG) applies in England and Wales. The equivalent...

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  • Annual Allowance charges and ‘Scheme Pays’ – what you need to know…

    17 July 2017

    How do you get your annual allowance charge paid? Last month, Jacqueline Clezy, Technical Specialist at Prudential looked at clients unexpectedly receiving a Pension Savings Statement (PSS). In this article, she considers deadlines for receiving a PSS, then reporting and paying a tax charge where one arises. Deadline for providing a PSS which is...

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  • The “What” of Trusts – Discounted Gift Trust

    10 July 2017

    This is the third article in our trust series where we make the trust journey simple and less complex. Latterly, Helen O’Hagan, Technical Manager at Prudential covered loan trusts and this time she writes about Discounted Gift Trusts (DGTs). These can take different forms, but in this article we will look at a ‘standard’...

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  • Investment bonds and care costs

    6 July 2017

    Where might it be beneficial and suitable to use an investment bond wrapper when planning for long term care? Neil Jones, market development manager, Technical Services Team, Canada Life looks at the issues In the UK the election campaigns run by the various political parties have included statements and debates around long term care...

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  • Assessing income in relation to the Annual Allowance taper

    6 July 2017

    Net income, Threshold income, Adjusted income – What’s the difference? It’s all in the definition, says Fiona Tait, technical director, Intelligent Pensions We always knew the Annual Allowance (AA) taper would be complicated. The taper itself is simple enough – “the annual allowance is reduced by £1 for every £2 of income above £150,000,...

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  • Tips for exam preparation

    16 June 2017

    In this extended Paraplanner Pointers, Neil Clarke paraplanner with Montfort International, who has written exam questions in the past and marked the advanced (AF) exams for the CII, offers some of his tips for candidates when prepping to take their exams. When writing the advanced exam questions, the writers try to make them as...

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  • Useful Annual Allowance Calculator

    16 June 2017

    Jamie Barnes at Headley’s Financial Services looks at one of the tools he finds most useful. I find a very useful calculator, especially towards tax year end, is the Prudential Annual Allowance calculator. It is a simple downloadable Excel spreadsheet that works out whether a client has any carry forward allowance available to use,...

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  • The Finance Bill: the measures that stayed or went, and the ones that may come back

    14 June 2017

    The UK has seen a snap general election. And when you look at the Finance Bill that was winding its way through parliament, it snapped the clauses most important to the planning world into two! Les Cameron, Head of Technical at Prudential, explores the ones that stayed and the ones that went and asks...

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