Category Archives: Planning

Horton v Henry

We await the result of the court of appeal decision in Horton v Henry (expected in January) to determine whether an income payments order can be made in relation to the uncrystallised pension benefits  of a member age 55 or over. The key issue is whether the member (age 55 or over) can be said to be “entitled ” to such uncrystallised benefits before they are actually paid.

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Developments in The Retirement Income Planning Market

Annuity provider consolidation , fund management group interest and the development of structured products with annuity qualities have important implications for the range of solutions that will be available to planners developing retirement income strategies for their clients in the “post freedoms” world.

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IHT and Death Benefits

An update on the latest HMRC view in relation to the IHT implications for funds remaining in a pension fund on death that have been designated to drawdown.

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Summer Budget changes for financial planners

A summary of the 5 main summer budget proposals that financial planners should be interested in. Dividend taxation, pensions reform , the main residence nil rate band, trust reform and changes to non-dom rules.

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Taking Pension Benefits When Non-Resident

The rules for the taxation/non-taxation of benefits taken from a UK pension fund under pension flexibility when non UK Resident.

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Proposed Changes to IHT and the Main Residence and the Annual Allowance

Thoughts on the operation and effect of the proposed £175k additional nil rate band for the main residence and the “linked” reduction in the annual allowance for high earners.

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Protection & Estate Planning

Some recent adviser research carried out by Technical Connection reveals that concern over access and control are two of the main impediments to estate planning being carried out . Tony considers ways in which these concerns may be overcome and especially the role that appropriate protection policies in trust might play.

Death Taxes & Pension Benefits

The Chancellor announced the abolition of “death tax” on pension benefits at the Conservative Party conference. Tony looks at the accuracy of “abolition” , some of its potential consequences and some of the questions that still need to be answered.

The Personal Financial Audit

Consumers will value and pay for advice on issues that satisfy the “Three Cs ” test. Namely that the advice is on subject matter that is relatively Complex, that the Consequences of “getting it wrong” are seriously detrimental and that the answers Can’t be readily “self served”. The Personal Financial Audit satisfies these tests and represents an effective client engagement tool.