What pensions could look like if the Tories get in

07:00 | 05 Mar 2010 | By Mike Morrison

In a policy document published last month, the Tories pledged to end compulsory annuitisation at age 75 if they are elected. This fictional case study by AXA Wealth's Mike Morrison examines what options they could take if they deliver

Political consensus on care funding is unlikely

07:00 | 05 Mar 2010 | By William Robins

With cross-party consensus on long-term care funding looking remote, advisers need to consider what reforms would serve their clients' needs

Has your client really cut their ties with the UK?

11:00 | 03 Mar 2010 | By Gerry Brown

The Court of Appeal ruling on Robert Gaines-Cooper and a less well-known case involving ‘Miss K’ show the Revenue is intensifying its scrutiny of individuals claiming non-UK residence, writes Prudential's Gerry Brown.

Mortgage crisis warnings spur downsizing trend

11:00 | 25 Feb 2010 | By William Robins

As fears of a second mortgage crisis grow, there are signs that baby boomers are downsizing their homes while they can make a profit

What new rules on retirement mean for your clients

09:20 | 18 Feb 2010 | By Rachel Vahey

Advisers must prepare their clients for the start of long-term changes to statutory retirement ages and new rules on access to pension benefits, starting in April, writes Rachel Vahey at Aegon

How to plan care costs for clients with dementia

08:22 | 11 Feb 2010 | By William Robins

The high costs of long-term care make it imperative to budget for this in retirement planning for clients with dementia

Why you shouldn't buy an annuity right now

08:52 | 10 Feb 2010 | By Rob Kyprianou

Annuity rates picked up in the past few months as gilt yields rose but don’t buy an annuity just yet because long-term gilt yields may rise further in the coming months, writes Rob Kyprianou.

Use the capital gains tax flat rate while you can

08:22 | 08 Feb 2010 | By Colin Jelley

Advisers should encourage their clients to make good use of the 18% flat rate on capital gains tax because it could be the government's next target for a rise to help increase revenue, writes Skandia's Colin Jelley 

Why advisers need to plan for divorce

09:50 | 04 Feb 2010 | By William Robins

Statistics show more people in their 60s are divorcing. Advisers cannot ignore this when drawing up financial plans.

How salary sacrifice can produce 65% tax relief

08:00 | 29 Jan 2010 | By Andrew Tully

Forthcoming tax changes mean advisers could save their clients thousands by steering them towards salary sacrifice and focusing carefully on levels of taxable income

Failure to plan can land discretionary trusts with 60% tax

08:00 | 29 Jan 2010 | By Gerry Brown

Life assurance bonds can give relief from the tax liability on trustees of discretionary trusts, which is due to increase from 6 April 2010

A chargeable gains tax puzzle solved

00:01 | 22 Jan 2010 | By Jeremy Pearson

When a client surrenders more than one bond in the same tax year, advisers should follow the five-step solution below to calculate their tax position, says Jeremy Pearson of Canada Life

Government ignores Harman's pension gift

00:01 | 21 Jan 2010 | By William Robins

A chance to work towards solving the UK’s looming pensions crisis by scrapping the compulsory retirement age has been missed

Avoid trouble spots in switch to Sipps

00:01 | 15 Jan 2010 | By Nick Cooper

Sipps are set to be a key part of the future pensions planning landscape and advisers must ensure they are compliant with the latest regulatory guidelines, writes Nick Cooper at Zurich UK Life

Legislation is no threat to inheritance tax planning

00:01 | 15 Jan 2010 | By Paul Wilcox

The government is examining the use of trusts to avoid inheritance tax but its action will not spell the end of inheritance tax mitigation, as some commentators have predicted, writes Paul Wilcox of the WAY Group

Retirement solutions: a guide for financial advisers, part 3

00:01 | 12 Jan 2010 | By Neal Underwood

Building a financially secure retirement is a challenge and advisers must be familiar with all the options available to their clients. Part 3 looks at what the financial industry is doing to meet changing needs

Retirement solutions: a guide for financial advisers, part 2

00:01 | 11 Jan 2010 | By Rob Griffin

Building a financially secure retirement is a challenge and advisers must be familiar with all the options available to their clients. Part 2 looks at the effects of longevity on planning

Retirement solutions: a guide for financial advisers, part 1

00:01 | 08 Jan 2010 | By Gill Wadsworth

Building a financially secure retirement is a challenge and advisers must be familiar with all the options available to their clients. Part 1 looks at why financial advice is now more essential than ever

Personal pensions: a guide for financial advisers, part 3

00:01 | 29 Dec 2009 | By Rob Griffin

Our three-part guide offers insights into tailored retirement planning, looking at what savings vehicles are on offer, and what to consider when advising clients and choosing asset classes. Part 3 considers asset choice

Personal pensions: a guide for financial advisers, part 2

00:01 | 28 Dec 2009 | By Tim Cooper

Our three-part guide offers insights into tailored retirement planning. Part 2 explains why personal pensions are still favoured by many advisers

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