Pensions and divorce – not just about the split
When it comes to dividing up assets on divorce, pension rights can turn out to be one of the most…
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How well do you understand inheritance tax?
Only one in four respondents to an HMRC survey completely understood how the inheritance tax (IHT) system could work for…
ISAs – Happy 20th birthday!!
ISAs celebrate their 20th birthday this April. If you haven’t reviewed yours in a while, this a good opportunity to…
China emerges on to the investment stage
Chinese investment markets set to become increasingly important part of investment portfolios as share of Emerging Markets Index likely to…
Retirement planning for the 100-year life
Your chances of reaching 100 are probably greater than you imagine. It may sound fanciful, but a 100-year lifespan is…
Christmas Wishes from Pembroke Financial Services
At the festive season, our thoughts turn gratefully to those who have made our progress possible. It is in this…
Tax Planning: Unmarried couples lack the rights of married couples
Two recent events have shone different lights on the government’s view of unmarried couples. As the graph shows, marriage has…
Is Inflation eating into the value of your savings?
Interest rates on instant access savings accounts continue to be outstripped by inflation, so where should you invest your money?…
The Budget 2018: an end to austerity? What did it mean for you?
The 2018 Budget, which was delivered on a Monday for the first time since 1962, produced a number of surprises,…
Leading think tank proposes radical shake up of UK’s tax system
The Institute for Public Policy Research (IPPR) is a centre-left think tank that has a long history of influencing Labour…
Cash ISAs fall out of favour as inflation outstrips interest rates
The popularity of Cash ISAs is continuing to wane according to new statistics from HMRC. With inflation persistently above interest…
Global stock markets are showing very mixed results in 2018.
Is your investment plan making the most of the opportunities out there? Ryan Marshall, Investment specialist and Independent Financial Adviser…
Trick or treat? The Chancellor calls the 2018 Budget for late October
What should we expect from the 2018 Budget? Will the Chancellor turn to inheritance tax, fuel duty, stamp duty, a…
Auto enrolment into Workplace Pensions six years on – a success?
There is absolutely no doubt that pension savings have grown after six years of Automatic Enrolment, but more progress is…
Is your pension planning good enough to cover your retirement years?
…the beginning of the end for rising life expectancy? A paper published in August by the Office for National Statistics…
Interest rates start to creep up after nine years – more to come?
The Bank of England increased the base interest rate in August to 0.75% – the second increase in 12 months.…
Transfers out of private sector final salary pensions boomed in 2017
There was a dramatic increase in the number and the value of transfers out of defined benefit (usually final salary)…
Heard about the potential savings from Relevant Life Assurance Policies?
No? A little-known type of life assurance policy could provide you – or your employees – with highly tax-efficient life…
Graduates get a break as student loan repayment threshold rises
The income threshold at which student loan repayments begin rose on 6 April 2018. English and Welsh students who started…
Couples can save an extra £20k in inheritance tax from April
Couples could now save an extra £20,000 of inheritance tax (IHT), as the residence nil rate band (RNRB) increased in…
New risk criteria for venture capital schemes in 2018
Important changes for venture capital schemes and enterprise investment have recently come into effect. New, what are called ‘risk-to-capital’ conditions…
Your tax year end planning – how Pembroke Financial can help
The 5th April is approaching fast so it’s important to take the time to give your finances a tax year-end…
The deadline is approaching for using your ISA allowances
Your Individual Savings Account (ISA) allowances expire on 5th April and with a lower dividend allowance from 18/19, should you…
There is still time for tax year end pension contributions
With the tax year end approaching, have you maximised your pension contributions? Both February and March are rightly popular times…