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Latest News

Dividend Tax Changes and Profit Extraction in 2016

13th December 2015

For most company owners, profit extraction simply means salary vs. dividends. There is usually a relatively straightforward way to determine the best salary level, which often ends up being quite low, and pay the rest in dividends.  In April 2016 the math will become less simple and less favourable for most taxpayers.  The dividend tax […]

State Pension Top-Up: Is It Worth It?

6th December 2015

Since 12 October some people have the option to top up their State Pension and receive up to £25 per week extra, in exchange for a lump sum payment which needs to be made by 5 April 2017.  It represents an attractive investment opportunity for many savers, although depending on personal circumstances it may not […]

Autumn Statement 2015: Key Points on Pensions

30th November 2015

Unlike this year’s Budget speech and several other recent occasions, Chancellor George Osborne has not announced any major changes in his Autumn Statement, as far as pensions and related tax issues are concerned. The widely anticipated tax relief overhaul has not been discussed and will most likely appear in next spring’s Budget. That said, there […]

Final Salary Pension Transfers

29th November 2015

The new pension rules, which came into effect in April 2015, have provided members of defined contribution pension schemes with unprecedented freedom and flexibility over the access of funds at retirement.  Savers can choose to take their entire pension pot as lump sum, purchase an annuity for guaranteed income or keep the pension invested and […]

New Pension Freedoms Don’t Change the Underlying Principles

23rd November 2015

When the pension reform and the new pension freedoms were first announced, critics feared the changes would lead to irresponsible behaviour, with people taking money out as a lump sum, spend most of it and end up without sufficient income in later years. More than half a year after the reform, statistics released by the […]

Inheritance Tax Planning: No Time to Wait

17th November 2015

You don’t need to be rich for inheritance tax (IHT) to be an issue. In many parts of the UK, owning your home alone pushes you above the threshold. IHT Threshold and Rates The key numbers to know are £325,000 (IHT threshold) and 40% (IHT rate). The first £325,000 of an individual’s estate are tax-free. […]

Holborn Assets UK: Lasting Power of Attorney Explained

8th November 2015

It is widely accepted that a Will is essential to protect your family, your interests and your wishes after you die. Less often discussed, but equally important is the Lasting Power of Attorney. Indeed, the new freedom in pension wealth access and retirement financing has made an LPA a necessity. What Is a Lasting Power […]

Buy-to-Let Tax Changes and What You Can Do

1st November 2015

Buy-to-let has been an effective way to provide additional income and save for retirement, helped by record low interest rates, the UK’s notorious housing shortage and favourable tax treatment.  However, following the changes announced by George Osborne earlier this year, its best years might be coming to an end. Interest Tax Relief Changes The reform […]

Lifetime Allowance Planning Options

25th October 2015

Pension plans are among the most effective ways to save for retirement, thanks to their tax and other advantages. That said, the Lifetime Allowance (LTA) limits the total amount an individual can accumulate and draw under the favourable tax treatment.  Any pension savings beyond the LTA are subject to tax of 25% (in case of […]

Pension Death Benefit Nominations More Important than Ever

18th October 2015

Major British investment companies such as Hargreaves Lansdown or AJ Bell have reported enormous increase in pension death benefit nomination updates since April.  The recent reform has changed the rules governing death benefits and their taxation, opening up interesting tax saving opportunities and making the nomination forms more important than ever before. Pension Death Benefit […]

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