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Summer Budget Summary – 2015

George Osborne’s first post-election Budget provided much food for thought for pensions and financial services, and I wish to summarise some of the salient points as follow:   1. Reduction to the Annual Allowance for high earners The Government had actually announced before the Summer Budget that the Annual Allowance that applies to pension savings, […]
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Save your future: the importance of making private provisions for your pension

The UK State Pension pays out no more than £113 per week. In today’s economic climate, this is insufficient to meet the costs of living, including groceries, heating, utilities and clothing. One way to demonstrate this is to look at the Consumer Price Index. In June this year, for example, the CPI rose by a […]
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PENSIONS ACTION FOR THE NEW YEAR

With the festive season and 2015 fast approaching, it is essential that we recognise the fact that as a result of the 2014 Budget, enhanced by the recent Chancellor’s Autumn Statement, pension schemes are reinforced as the most flexible and tax efficient savings method for an individual and for those who benefit on his/her death. […]
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How well are you prepared should trouble strike?

Remember the Allied Dunbar TV campaign shown around ten years ago “There may be trouble ahead?” The campaign used a series of family situations where people have to re-plan their lives because something unexpected happens. “Let’s face the music and dance“. A decade later, it appears that far too many people are still not protecting […]
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Cedar House has a new video!

Cedar House has now published a new video which tells you a bit about who we are and what we do!
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Threesixty Budget Summary 2014

A detailed 2014 Budget review published by our Compliance partner Threesixty Services. Threesixty Budget Summary 2014
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Fixed protection – don’t miss out

Did you know there are only 35 working days until fixed protection 2014 applications close. With just under 2 months until the Lifetime Allowance (LTA) is cut to £1.25m on 5th April, time is running out to discuss, plan and implement a solution for those approaching, or who are at this level of pension funding […]
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Are cash deposits still the sensible place to put your savings?

When we sit down with clients to discuss what they seek from their savings and investments it is not surprising that many are looking for certainty and peace of mind as well as a reasonable return. Going back 4-5 years ago the natural response was to take a trip down to the local high street […]
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Why pensions? What’s the fuss?

In many meetings with new employees of our corporate clients over the last 12 months, the same reservations regarding pensions arise. They are mainly in response to the bad press in recent years in relation the financial crisis, and the effect on people’s pension due to the massive losses that occurred in the equity (stock) […]
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Long-term Care Planning

Meeting the cost of residential and nursing care in old age is a growing issue for many people in the UK. As life expectancy continues to lengthen, more of us can expect to require some form of long term care. While the state can help with some costs, eligibility for help is limited and many […]
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