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Tax relief and pensions

Tax relief means some of your money that would have gone to the Government as tax goes into your pension instead. You can put as much as you want into your pension, but there are annual and lifetime limits on how much tax relief you get on your pension contributions. Tax relief on your annual [...]

The new state pension – winners & losers

The Government have replaced the old State pension system with what it argues is a simpler, single-tier pension for those reaching State pension age from 6 April 2016. The average state pension payment under the previous system was £130 a week. The full rate of New State Pension is £155.65 a week (for tax year 2016/17). Will [...]

Brexit Strategy

Investment Portfolio Planning in an Uncertain World After a lengthy negotiation process, the Brexit referendum has been set for 23rd June. As I write this, the opinion polls are giving no clear direction as to the outcome. Last week, the momentum was with the “remain” camp. However, after the emergence of Boris, things are too [...]

Triumph against adversity: over £11,000 raised for Tom’s Trust


Andrew Whiteley: ETF Rock Star

There are tens of thousands of qualified financial planners in the UK. So how could we possibly boil that number down to just 10 “Top Advisers”? Our managing director, Andrew Whiteley, was selected as one of ETF’s “Rock Stars”. The top ten selected advisers met a criteria which shows they “focus on holistic financial advice [...]

One million homeowners with no plan to repay

Recent research by the Citizens Advice Bureau indicated that almost one million homeowners with interest only mortgages have no plan in place to repay the debt at the end of the mortgage term. Unless they take action, these people are facing the risk of being forced by the lender to sell their homes when the [...]

Does anyone have life insurance anymore?

I have just read an article suggesting that many people are avoiding taking out life cover with a mortgage to avoid being turned down on affordability grounds by lenders. Surely the world has gone mad! Back in the mists of time when men on bicycles used to prowl the streets “selling” life insurance policies to [...]

How are your finances shaping up?

Our recent advertisement on the screens at the David Lloyd fitness centre in Cambridge has got me thinking about where our priorities lie when it comes to paying for things in life. In a recent article in the Telegraph it was suggested that the cost of membership to a high end Health Club like David [...]

A consultation on pensions tax relief

In a busy budget on 8 July 2015 the government announced a green paper on pension tax relief reforms. The government have asked 8 leading questions, inviting a consultation on how to make pension savings and pension contributions more attractive, to get the UK public engaged in pension saving. With a commitment by the Conservatives [...]

Retirement income – breaking the habit of a lifetime

Pensions and retirement income are synonymous with one another. The first thing most clients will think about when considering their income in retirement will be their pension. But with the new pension freedoms it isn't necessarily the first place they should turn to when deciding where to draw their retirement income from. The familiar scenario of [...]