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When You’re Tempted by Tax-Free Cash at 55

In 2015 the UK government introduced the new pension freedoms which allowed people to access their pension pots much more easily. Essentially, from this point, you could withdraw all of your pension in one go if you wanted to (although not without a tax penalty). Lots of people were particularly excited about the fact that […]
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How to Manage the Money when Someone Dies

When someone you care about passes away, the days and weeks afterwards can feel like an overwhelming haze. The last thing you have the energy for taxes, inheritance or funeral arrangements – but they do need to be dealt with. Where do you even begin with all of this? Who do you need to deal […]
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Is Your Child Missing out on £2,000 from the Government?

Did you know that your child might have over £2,000 held in a forgotten bank account? In 2005, the Labour government set up an initiative called the Child Trust Fund. It allowed both the government and also parents to put money into a special account for their children, provided they were born after 1st September […]
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Would Your Business Collapse if You Were Gone?

Running a business is very time-consuming and rewarding. So much so that it can be easy to not stop and think about what would happen to it if you were removed from it. Death, illness and incapacity can hit a business owner at any moment, often leaving the company drifting and struggling in the water. […]
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A Short Guide to Stamp Duty

It certainly seems to be the case that house prices across the UK are not really rising across the UK in 2018-19. Despite this, however, increasing numbers of people are still having to pay stamp duty on their property purchases. What is stamp duty exactly? How does it work, and is there a way of […]
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Where does my pension go when I die?

Research shows that around 700,000 people are at risk of passing on their pension to the wrong person. It isn’t nice to think about planning for our eventual passing, but it is therefore important. When you eventually pass on, what happens to your wealth – and in particular, your pension? Does it go to your […]
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Five Crucial Investment Mistakes to Avoid

Winning and losing is part and parcel of investing. Nobody can win every time, and nobody can make perfect investment decisions consistently. However, there are many mistakes that can and should be avoided – simply through being aware of them. In this article, our financial advisers at Cedar House have compiled five of some of […]
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Brexit & Property Prices: What Will Happen?

Are you think of buying a property, but not sure whether to wait in case Brexit produces a drop in house prices? Alternatively, perhaps you were thinking about selling later in the year, but do not whether to bring the sale forward (before the UK leaves the EU)? The question of the effect of Brexit […]
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Important Announcement About “Paperless Pensions…”

Due to recent changes in legislation (Mifid II Directive), providers for Personal Pensions & ISAs will be reporting to their clients on a quarterly basis. Providers are encouraging clients to enable ‘paperless’ communications via an online portal. We would advise you register for online access to view plan valuations, policy information and review provider correspondence. […]
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Financial Advice During a Career Change

All too often, it is fears about money which hold us back from the career change that we so desperately want. We might want to enter marketing, law or the world of music, yet we look at the mortgage, bills and other commitments we have and baulk. Wouldn’t it be great to have the financial […]
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