How do I get more annuity income at retirement?

November 25, 2009

Here are three simple tips to increase your income in retirement.
1. Use the Open Market Option
The annuity market is very competitive and rates differ between annuity providers. You can substantially increase your pension income by purchasing your annuity from the company which pays the most income. This is called “exercising the Open Market Option.” It [...]

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Salary Exchange

November 20, 2009

What is Salary Exchange?
Salary Exchange is an agreement between an employee and their employer. The employee agrees to exchange part of their gross (before tax) salary in return for a non-cash benefit, like a pension contribution.
As the salary is being exchanged rather than paid directly, both the employer and the employee pay less National Insurance [...]

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How do I find a financial adviser?

November 19, 2009

Sometimes it can be a duanting task to find a good financial adviser, here are a few tips:
Ask around among friends, family and colleagues for recommendations. But make sure you check the financial adviser’s expertise and style is suitable for you before committing your money.
If that avenue fails, then try calling your local ifa’s consumer [...]

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Independent financial advice

November 18, 2009

Good quality independent financial advice is worth its weight in gold. We have put a huge commitment into delivering the best quality financial advice for our clients.
Ongoing support
Once you’ve received your advice and any necessary investments have been placed we’ll continue to stay in touch and do what we can to help you make more [...]

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Inheritance Tax – the basics

November 12, 2009

Inheritance Tax part 1
Not everyone pays Inheritance Tax. It is only due if your estate – including any assets held in trust and gifts made within seven years of death – is valued [...]

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