Packaged Retail Investment and Insurance-Based Products – PRIIPs Packaged retail investment and insurance-based products (PRIIPs) is a broad category of financial assets that are regularly provided to consumers in the …
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Shell Pension Scheme
The Shell Pension Scheme, the non-UK scheme being the Shell Overseas Contributory Pension Fund, seems to have become a target for pension scammers and poor advice. We outline some simple …
Will this bull market ever end?
Bull market(s) – when should you be considering doing the opposite of everyone else? For those clients who need reminding of a bull market and bear market, and what they …
Pension Scams- what you can do to avoid them (Part 1)
Pension scams have been rife since the implementation of A Day. They are so sophisticated now that their marketing and paperwork can appear legitimate to all those other than a …
Budget 2017
There was considerable discussion about how the British Chancellor Philip Hammond would approach the annual UK Budget 2017. Among many predictions, personal financial commentators focused on possible restrictions on the …
How do interest rates affect equities?
This is for those interested in investments and how interest rates affect equities. The “talk of the town” in mid-late 2017 has been the potential for interest rate rises in …
Gibraltar QROPS- Returning Expats
This article is helpful to current British expats or expats returning to the UK who hold a Gibraltar QROPS having transferred from a British pension. Background: Gibraltar QROPS have been …
Loan Trusts – A Useful Inheritance Tax (IHT) Planning Tool?
Loan trusts have been a part of estate planning for many years and this follows on from my previous blog about Discounted Gift Trusts. However, are they useful? Should they …
QROPS Trustee Duties – What should they be doing?
QROPS trustees Most QROPS are trusts, run by people who should have a responsibility to the pension holders. These people are called trustees, but what are the QROPS trustee duties? What …
SIPP Planner of the Year
SIPP Planner of the Year Award John Reid of Aisa Professional won the prestigious SIPP Planner of the Year Award 2017 at the Financial Planner of the Year Awards …