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…
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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…
How can you help counter the effects of rising inflation and low interest rates in your investment choices?
Prices have been rising at their fastest rate for five years. Annual inflation (as measured by the Consumer Prices Index…
The next steps for auto-enrolment start this April, with more change on the cards.
The Automatic Enrolment of employees into workplace pensions has been a greater success than many predicted when it was introduced…
A good year for global share markets – but are we to expect a volatile 2018?
The world’s share markets were a profitable place to be in 2017, but the year was not without its drama.…
Why buy financial advice and who to buy it from?
Deciding to pay for financial advice is a big step. It is normal to question yourself, especially as the results…
Are Cash ISAs losing favour?
In the world of ISAs, cash ISAs have long attracted more contributions than their stocks and shares counterpart. However, new…
What space does the Chancellor have for change in his Autumn Budget in November?
The Chancellor, Phillip Hammond, announced the date of his first Autumn Budget as Wednesday 22 November and this will be…
Are you covered on personal lending?
The boom in personal lending is worrying the Bank of England. The rate at which people are taking out loans,…
Financial advice leaves people £40k better off
A new report has found that people who receive financial advice are on average £40,000 better off than those who…
The importance of a financial planning review
Several important changes to tax and benefits were introduced at the beginning of 2017/18, so it makes sense to review…
IFAs are the most popular and trusted source of advice
IFAs are consumers’ most popular and trusted source of financial advice, according to research from the Financial Services Authority (FSA).…
Get your finances fit for 2012
With further tax increases likely on the horizon, there really is no time like the present to take a step…