Posts by Peter Rutherford
The value of independent financial advice
When someone deals with a financial adviser for the first time, they want to know that the adviser is acting in their best interests, that they will get the best advice and the best products available. How can the client be sure of this? There cannot be any guarantee, but their best chance is talking…
Read MoreIHT Planning and Pension Tax Free Cash
Since 2015, pensions have been the best Inheritance Tax planning tool available but, as we all know, the Chancellor is set to change that from 6th April 2027. From 6th April 2027, income tax and IHT will apply to what your beneficiaries take from your pension pot after you die. With all the potential ramifications,…
Read MoreCan you reclaim IHT after stock market falls?
Most of us are aware that IHT is levied based upon the value of the estate at the date of death. Further, IHT needs to be paid before probate is granted and investments can be sold. Bearing in mind the current market volatility, those investments could be worth a lot less now. Paying tax on…
Read MoreRetiring with a Pot of £250,000: Strategies for a Secure Future.
Retiring with a Pot of £250,000: Strategies for a Secure Future Retirement is one of life’s most anticipated milestones, and having a pot of £250,000 can open the door to a comfortable, independent future if managed wisely. Whether you’re nearing retirement or planning ahead, it’s crucial to understand your financial landscape and plan strategically to…
Read MoreWhat May 2025 Hold?
What May 2025 Hold? Firstly, may we wish everyone a Happy New Year. Hopefully, it will be healthy and prosperous too. What may 2025 hold? We start 2025 with ongoing geopolitical uncertainty. The war in Ukraine rumbles on and Israel continues its fight with Hamas and Hezbollah. This is as it was in January 2024,…
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