Downloads - Archive
Guide to Tax Matters 2019/20
In this guide we set out the main tax changes that apply to the 2019/20 tax year, which commenced on 6 April 2019. Reviewing your tax affairs to ensure that available reliefs and exemptions have been utilised, together with future planning, can help to reduce your tax bill.
Guide to Wealth Preservation
Our advice can help you preserve and protect the wealth you�ve amassed through hard work, inheritance or good fortune. Inside our guide, we look at the number of key areas that will enable you to put in place an effective protection planning strategy to preserve and protect your wealth for you and future generations.
Guide to The Final Retirement Countdown
If you are aiming to retire within the next five years, it�s time to get into the mindset of considering the practicalities of fulfilling your desired lifestyle and making plans. While you should think about retirement planning as early as possible, the five years leading up to retirement are critical.
Guide to Protection Planning
Welcome to our Guide to Protection Planning . Inside we look at the number of key areas that will
empower you to put in place an effective protection planning strategy to preserve and protect your
wealth for you and future generations.
Welcome to our Guide to Investing. Creating and maintaining the right investment strategy plays a vital
role in securing your financial future. Whether you are looking to invest for income or growth, we can
provide the quality advice, comprehensive investment solutions and ongoing service to help you achieve
your financial goals.
Rising life expectancy brings with it the challenge of how we fund our future care costs. The question
is: who is responsible for looking after us if we need care in old age?
to Investing and Inflation
Rising inflation is a concern to investors, as changes in inflation and interest rates affect various
asset types in different ways. This is an especially important issue for retirees living on a fixed
Welcome to our Guide to Retirement Planning. The pension freedoms rule changes mean that we'll be
increasingly in charge of our pensions, both while we're building up our retirement pot and when we
start to draw an income. It's therefore more important than ever to plan our retirement saving from an
Guide to LIFETIME ISA 2017
The start of the new tax year on 6 April 2017 saw the launch of the Lifetime ISA (LISA), which was
announced in the 2016 Budget. This is a new type of Individual Savings Account (ISA) designed to help
you save for a first home or for your retirement at the same time. To be eligible, you have to be aged
between 18 and 39 years old (up until your 40th birthday).
Guide to Brexit
Brexit has created an air of uncertainty, and no one really knows what's coming next or what it could
all mean in the long term. On 29 March, Prime Minister Theresa May triggered Article 50 of the Lisbon
Treaty in a letter to EU Council President Donald Tusk, starting two years of divorce proceedings..
2016/17 Year End Tax Planning
We provide suggestions for further consideration and discussion, enabling you to arrange your taxes,
investments and wider financial affairs to reduce current and future tax liabilities. Please keep in
mind that everyone’s tax situation is different. Before implementing any of the strategies discussed
here, you should obtain professional advice.
New Year Wealth Planning
Welcome to our Guide to New Year Wealth Planning. The start of a new year enables you to reassess and
critique your financial plans and goals to ensure that you know where you are and where you should be.
It means you can also put in place new strategies or update existing ones to achieve the outcomes you
are expecting. It means you can work towards and meet deadlines and allocate sufficient time to
completing these financial objectives.
A Guide To Wealth Management
Welcome to our Guide to Wealth Management. Our personalised approach is designed to help us understand
your wider ambitions and objectives for your wealth, whether you want to generate an income that
supports your lifestyle, family and retirement plans; need help to pass your wealth on to future
generations; or fund your ambitions, from personal legacies to philanthropy.
A Guide To Professional Financial
Few of us really have the time or inclination to understand the vast number of different investment
products available on the market and consider what the best options are to suit our particular
objectives. To do this effectively, it would need to become a full-time job.
A Guide To Investment Matters
Anything is possible when you manage your money the right way. Whatever your goals in life are, careful
planning and successful investing of your wealth can help you get there. Investments can offer both risk
and return, and generally the bigger the risk the greater the potential return.
Protecting Your Financial Plan
Welcome to our Guide to Protecting Your Financial Plan. The right professional financial advice can
give you the freedom to live life on your terms, and key to this is safeguarding your financial security
by making sure you have adequate protection in place to care for the people and things that matter.
A Guide To Lifetime Allowance
The Government has introduced comprehensive reforms to the pension rules over the previous few years.
One important change, which may have been overlooked by some savers, is the reduction of the Lifetime
Allowance that applies to pension savings. This further reduction means that you may be affected.
Active and Passive Investment Management
If you are looking to invest in shares or bonds, you may think about putting your money into one or
more managed funds. Managed funds are pooled investments that contain different securities, so you
reduce the risk of holding just a few individual shares or bonds.
Welcome to our Guide to Investment Planning. Money, of course, plays an important role in our lives.
While it's not everything, it can help you achieve your goals and gives you greater choices and
freedoms. That's why it's important to increase our financial intelligence to learn how to build greater
Protecting You & Your Estate
Welcome to our Guide to Protecting You & Your Estate. Making sure that you've made plans for after
you're gone will give you peace of mind. It's not nice to think about, but it means that your loved ones
can carry out your wishes and be protected from Inheritance Tax (IHT).
Guide to Your
Options At Retirement
Welcome to Your Options At Retirement. Whether you plan to retire fully, reduce your hours gradually or
to carry on working for longer, you can now tailor when and how you use your pension and when you stop
saving into it to fit with your particular retirement plans.
Welcome to our Guide to Retirement Planning. Pension freedoms have transformed the pension landscape,
giving more choice than ever before in shaping retirement plans to best meet our individual needs and
Guide to The
Lifetime Individual Savings Account
In the March 2016 Budget, the Chancellor announced major improvements to Individual Savings Accounts
(ISAs) with the introduction of a new Lifetime Individual Savings Account (LISA) from April 2017,
designed to help young people save flexibly for the long term throughout their lives. The aim is to help
them simultaneously save for a first home and for their retirement without having to choose one over the
Guide to The
Chancellor of the Exchequer George Osborne delivered his eighth Budget speech on Wednesday 16 March,
his third in 12 months. In our summary of the key announcements, we consider how they could impact on
your finances today and in future years to come.
Guide to The
New State Pension
The State Pension changed on 6 April 2016. If you reached State Pension age on or after that date,
you'll now receive the new State Pension under the new rules. The aim of the new State Pension is to
make it simpler to understand, but there are some complicated changeover arrangements which you need to
know about if you've already made contributions under the previous system.
Successful long-term wealth creation requires the right balance between shares, bonds and other
investments. In Guide to Investing in 2016, we consider a number of different solutions available to
you, and each section explains the basic facts. There are a number of factors you should consider before
deciding on what kind of approach is most suitable for you. These include the purpose of the investment,
the length of time your money can be tied up for and your attitude to risk.
Guide to 2015/2016 Tax Planning
Tax is a highly sensitive subject for most individuals. In this guide, we consider a number of tax
planning and wealth strategies. The start of a New Year is the perfect time to take stock and think
about how you can improve your financial position and ultimately structure your affairs so that you
don't have to pay more tax than you legally have to, especially as we're in the run-up to the tax year
end on 5 April 2016.
Guide to The
Spending Review and Autumn Statment 2015
On Wednesday 25 November 2015, Chancellor George Osborne presented his Spending Review which set out
what government spending will be over the next four years, while the Autumn Statement updated his plans
for the economy. Compared to the summer Budget 2015, the Office for Budget Responsibility now forecasts
higher tax receipts and lower debt interest, with a 27 billion improvement in the public finances.
Guide to New
Whether you're saving for old age, about to retire or already have, you need to give your pension some
attention following the announcement of the new pension freedom reforms. Perhaps most important of all
were the changes announced in the 2014 Budget, which mean many more will now be able to retire and
withdraw money from their pension without buying an annuity.
Guide to Wealth
Reaching wealth goals and achieving personal ambitions are major objectives of the financial planning
process. In order to make plans for the future, you need to know where you are today and where you want
to be in the future.
to Creating A Diverse Investment Portfolio
Welcome to our Guide to Creating a Diverse Investment Portfolio. Don't put all your eggs in the same
basket is probably the best known proverb advising investors about the importance of portfolio
diversification to spread and reduce risk.
Guide to Inheritance Tax Planning
Welcome to our Guide to Inheritance Tax Planning. Few taxes are quite as emotive as Inheritance Tax
(IHT). The structures into which you transfer your assets can have lasting consequences for you and your
family. We can help you choose structures and trusts designed to protect your assets and give your
family lasting benefits.
Guide to the Budget
In his final Budget before May's general election, the Chancellor of the Exchequer, George Osborne,
announced tax cuts for first-time buyers, workers and savers, and claimed Britain was after five years
of austerity. In our Budget 2015 Summary, we have provided information about the key announcements but
primarily look at the main areas around financial planning.
A guide to New Individual Savings Accounts
The NISA way to grow your tax-efficient wealth.
If you are keen to take advantage of the New Individual Savings Account (NISA) allowance, increased to
£15,000, and make the most of your tax-efficient savings, the time is running out. You only have
until 5 April to fully utilize your 2014/2015 NISA allowance, after which it will be lost forever.
A guide to Pension Consolidation
Bringing all of your separate pension plans together into one single pension pot.
Few of us today remain in the same career throughout our working lives. The result is that many people
may have a number of different pension pots from previous employers. However, combining them into one
single pension could make real financial sense.
A guide to New Pensions Freedom
Giving people more confidence to save into a pension.
Welcome to our Guide to New Pensions Freedom. The Government's flagship pensions freedom policy comes
into force on 6 April 2015 and will give far greater flexibility over what someone can do with their
pension. The new rules should give people more confidence to save into a pension because they will
retain much more control over their money.
A guide to Asset Allocation
Balancing risk and return by apportioning your portfolio's assets through different life stages.
The aim of this guide is to give a brief outline of asset allocation, an investment strategy that
attempts to balance risk versus return by adjusting the percentage of each asset in an investment
portfolio according to the investor's risk tolerance, objectives and investment time frame.
A guide to Inheritance Tax
Effective solutions designed to protect your assets and give your family lasting benefits in an
Inheritance Tax (IHT) in the UK may be one of life's unpleasant facts, but with the appropriate IHT
planning and professional advice, we could help you pay less tax on your estate. The aim of this guide
is to provide a brief outline of IHT, a subject that was once something that only affected very wealthy
Paul Duckworth Independent Financial Adviser is
an appointed representative of TenetConnect Services Ltd, which is authorised and regulated by the
Financial Conduct Authority. TenetConnect Services Ltd is entered on the Financial Conduct Authority
register (www.fca.org.uk/register)under reference 150643
Principal: Paul Duckworth
The information contained within this website is subject to the UK regulatory regime and is therefore
primarily targeted at consumers based in the UK.