Stakeholder Pensions can make you Gaga
Shared via AddThis
Wednesday, 26 August 2009
Wednesday, 28 January 2009
New integrated blog
Our blog is now integrated into our website. The blog address is www.consilium-ifa.co.uk/blog
Wednesday, 14 January 2009
Updated Will information
It is estimated that 50% that over half the UK population does not have an up to date will.
For more information on the importance of having a will visit
Tuesday, 13 January 2009
January 2009 Newsletter
Our January 2009 financial planning newsletter is now available online.
Topics covered include
· Interest Rates reductions
· How to save tax this year
· 2008 Budget report
· Need a review of you finances
· Life cover and Critical illness
· Changes to higher rate tax
· Open market options and annuities
· Inheritance tax and Estate planning
· Financial services compensation scheme
· Retirement Planning
· Long term care
· Effects of the recession
· House repossessions how the government intend to help
· Self invested personal pensions
If you would like further information please feel free to contact us.
Topics covered include
· Interest Rates reductions
· How to save tax this year
· 2008 Budget report
· Need a review of you finances
· Life cover and Critical illness
· Changes to higher rate tax
· Open market options and annuities
· Inheritance tax and Estate planning
· Financial services compensation scheme
· Retirement Planning
· Long term care
· Effects of the recession
· House repossessions how the government intend to help
· Self invested personal pensions
If you would like further information please feel free to contact us.
Thursday, 8 January 2009
0.5% cut in Base Rates
The Bank of England announced a 0.5% reduction in BOE UK base rates for January 2009.
The cut although welcome has disappointed many business owners and commentators.
It was hoped that a larger reduction would have been announced.
However concern over the devaluation of sterling against the Euro and Dollar was factored into the rate decision.
Many savers will also be upset with the reduction that will certainly lead to lower savers rates being offered.
Monday, 22 September 2008
Independent Financial Advice and the internet
Most Independent Financial Advisers have a website, but most sites are simply a "shop window". They really do not offer much value from a customers perspective.
Many ifa's use off the shelf sites, and as such the content is duplicated hundreds if not thousand of times.
To add true value to the customer the site should:
This will help the prospective client to understand the service the ifa can offer and if properly managed should help improve the sites search engine rankings.
If you want to find out more about independnet financial advice and the benefits please visit Independent Financial Advisers- Consilium Asset Management
Many ifa's use off the shelf sites, and as such the content is duplicated hundreds if not thousand of times.
To add true value to the customer the site should:
- Have up to date content
- Have a useful purpose to the client
- Original content
This will help the prospective client to understand the service the ifa can offer and if properly managed should help improve the sites search engine rankings.
If you want to find out more about independnet financial advice and the benefits please visit Independent Financial Advisers- Consilium Asset Management
Friday, 12 September 2008
Inheritance Tax Planning
Nothing is certain but death and taxes
It’s not only the super-rich that are subject to inheritance tax
Benjamin Franklin once said that “nothing is certain but death and taxes,” and thanks to inheritance tax (IHT), they’re not only certain they’re intrinsically linked.
IHT is currently charged at 40 per cent, and is payable on your estate once your net assets exceed, in the current 2008/09 tax-year, £312,000 or £624,000 for a couple who are married or in a civil partnership.
Once only the domain of the super-rich, wide scale home ownership and rising property values have meant that more and more people may become subjected to IHT every year.
To reduce your exposure to a potential IHT liability, assets can be given away under either of the following:
* Annually within an allowance or from excess income
* As philanthropic gifts
* More than seven years before your death
However, there are other ways that you can alleviate the burden of IHT when passing on your wealth to your children and grandchildren. Talk to us about how we could help reduce or eliminate a potential IHT liability.
Wills
By drawing up a will, you can ensure that your wealth is distributed according to your wishes and this creates the foundation for your IHT reduction strategy.
Gifts
When you’re looking to reduce your taxable estate, the first thing you should consider is whether you can afford to distribute any of your assets before you die in the form of gifts.
The Alternative Investment Market (AIM) and OFEX
AIM and OFEX shares could also offer you an IHT shelter, as well as a means of reducing capital gains tax.
To find out more about IHT please vistit ourwebsite www.consilium-ifa.co.uk
It’s not only the super-rich that are subject to inheritance tax
Benjamin Franklin once said that “nothing is certain but death and taxes,” and thanks to inheritance tax (IHT), they’re not only certain they’re intrinsically linked.
IHT is currently charged at 40 per cent, and is payable on your estate once your net assets exceed, in the current 2008/09 tax-year, £312,000 or £624,000 for a couple who are married or in a civil partnership.
Once only the domain of the super-rich, wide scale home ownership and rising property values have meant that more and more people may become subjected to IHT every year.
To reduce your exposure to a potential IHT liability, assets can be given away under either of the following:
* Annually within an allowance or from excess income
* As philanthropic gifts
* More than seven years before your death
However, there are other ways that you can alleviate the burden of IHT when passing on your wealth to your children and grandchildren. Talk to us about how we could help reduce or eliminate a potential IHT liability.
Wills
By drawing up a will, you can ensure that your wealth is distributed according to your wishes and this creates the foundation for your IHT reduction strategy.
Gifts
When you’re looking to reduce your taxable estate, the first thing you should consider is whether you can afford to distribute any of your assets before you die in the form of gifts.
The Alternative Investment Market (AIM) and OFEX
AIM and OFEX shares could also offer you an IHT shelter, as well as a means of reducing capital gains tax.
To find out more about IHT please vistit ourwebsite www.consilium-ifa.co.uk
Thursday, 11 September 2008
Welcome
Welcome to the first blog for our site Consilium Asset Management.
To go to our Independent Financial Advisers website address please click the link.
To go to our Independent Financial Advisers website address please click the link.
Subscribe to:
Posts (Atom)