Congratulations to Sam Williams on passing his exam.

Congratulations to Sam on his exam success. Congratulations to Sam Williams on completing his final paraplanning exam (J09). Combined with previous exams passed he has now gained the Chartered Insurance Institute (CII) Level 4, "Certificate in Paraplanning". The final paper comprised of three pieces of coursework based on a case study covering all areas of [...]

2019-10-17T10:03:46+01:00 October 17th, 2019|News|

Is marriage the greatest tax planning strategy ever?

Many financial advisers will claim that marriage is – “The greatest tax planning strategy ever invented”. This might not seem very romantic but is it true? Inheritance Tax (IHT) is perhaps the biggest benefit. Unmarried couples can only pass assets to each other free of tax up the value of the “nil rate band” of [...]

2019-10-15T16:53:56+01:00 October 14th, 2019|News|

Charity Golf Day goes with a swing.

Our 5th Annual Charity Golf Day saw 14 teams challenge themselves, over 18 holes, against the parkland course of Wellingborough Golf Club. The event raised £3,931.14 which is all going to “Dementia Sings Out”, a Community Choir, based in Wellingborough, Northamptonshire. At the presentation dinner, Ruth Bowe, gave a lively talk, about the work of [...]

2019-10-08T15:34:29+01:00 October 10th, 2019|Community, News|

Pension advice is needed when getting divorced.

Going through a divorce is never easy but getting independent pension advice early on is important to your future wealth. Figures from the Office of National Statistics (ONS) show that the average (median) duration of a marriage at the time of divorce was just over twelve years for opposite-sex couples. Unreasonable behaviour was the most [...]

2019-10-02T13:43:33+01:00 October 7th, 2019|News|

Self-employed? Ways for you to protect your financial future.

There can be many benefits to being self-employed or running your own business. The flexible hours, being able to work from home. Holidays when and for how long you want them. Of course, being your own boss also has its downside. It’s not just about making sure your business is profitable and being able to [...]

2019-10-01T11:39:50+01:00 October 3rd, 2019|News|

What is the Money Purchase Annual Allowance?

By Andy Pardoe, Compliance Officer at Anstee & Co.  If you are a UK taxpayer, when you pay into your pension you will get tax relief on your contributions up to £40,000 a year or 100% of your earnings, whichever is the lower. However, if you have started taking money from a defined contribution pension [...]

2019-09-26T15:33:39+01:00 September 30th, 2019|News|

Lifetime Allowance. Could you be subject to the tax charge?

By Andy Pardoe, Compliance Officer at Anstee & Co.  The lifetime allowance is the overall limit of pension funds a member can build up during their lifetime before a tax charge applies. If you should go over this limit, you will pay a tax charge on the excess whenever you take income, withdraw a lump [...]

2019-09-26T10:43:09+01:00 September 23rd, 2019|News|

Could an Apprentice really be the answer?

By Jane Lumley-Walker, Office Manager at Anstee & Co. Back in January 2018 one of our administrators handed in his notice looking for a career change. We had a gap to fill and how best to do it?? We could recruit an experienced administrator but would have significant recruitment costs and training to carry out [...]

2019-09-19T15:47:51+01:00 September 19th, 2019|News|

Could you use your home as a cash machine?

More and more people over the age of fifty-five, are using their home as a cash machine as interest rates continue to fall on Equity Release plans. The rates have tumbled from around 8% four years ago, to fixed rates below 3% today. How can you turn your home into a cash machine? According to [...]

2019-08-28T09:14:48+01:00 September 9th, 2019|News|