CHARTERED FINANCIAL PLANNERS t: 01782 712233

Useful Guides

Essential Reading

The following reports have been carefully prepared to give you a clear and concise easy to read overview of various important topics.

Business succession planning

What happens to a business if its owner or co-owner dies or falls seriously ill? Much will depend on the type of business – sole trader, partnership or limited company – but unless there has been some advance planning, the chances are that there will be disruption, arguments and the strong possibility that all or part of the business will end up in the wrong hands.

DOWNLOAD GUIDE

You and yours – estate planning

Estate planning is usually not a subject that attracts immediate attention. It requires you to consider what will happen when your life is over, hardly something most of us rush to contemplate. Consequently, estate planning often becomes, and all too often remains, a do-it-tomorrow task. Then it could suddenly become all important… or it might be too late. After all, accidents do happen.

DOWNLOAD GUIDE

Pensions and tax planning for high earners

If you feel you’re paying more and more tax, you are not alone. More than one in
seven of income tax payers are taxed at the higher or additional rate, but they pay about two thirds of all income tax. This rising tax burden for higher earners has been a deliberate policy of successive governments, witness the fact that the thresholds for phasing out of the personal allowance and the start of the additional rate tax threshold have both been unchanged since they came into force in April 2010.

DOWNLOAD GUIDE

Living abroad – the main tax rules

While the thought of going abroad to work or retire may be exciting, the months
prior to departure may be highly stressful. Finding somewhere to live in your chosen country, arranging the necessary visas and booking a suitable removal firm are just some of the issues you are likely to have to deal with.

DOWNLOAD GUIDE

Saving for retirement

Retirement is something most of us look forward to − particularly on a Monday
morning. However, those thoughts are often little more than a whimsical cocktail of not having to work and prolonged holidays. The reality could be rather different, particularly if your retirement date is some way off.

DOWNLOAD GUIDE

The key stages of financial planning

Financial planning has witnessed significant change, so it is not surprising that most people are vague about what financial planners actually do. The aim of this Guide is to explain the process in general terms and what financial planning can achieve for you. Some of the important recent changes to pensions and ISAs have made the need for financial planning even more crucial.

DOWNLOAD GUIDE

Taking income at retirement

There comes a time when you stop working for your money and put your money to work for you. For most people, that is retirement. The decisions you make then could have repercussions for the rest of your life, and in recent years, there have been some major changes to the retirement choices you can make with your pensions. That retirement could turn out to last considerably longer than you think, as the table below shows.

DOWNLOAD GUIDE

Investing tax-efficiently

The taxation of investments has never been a simple matter. In recent years it has become more complex as successive governments have chosen to tax different sources of investment income in different ways, mostly with the aim of adding to the Exchequer’s coffers.

DOWNLOAD GUIDE

Financial protection – for you and your family

Life and health insurance protection underpins most good financial planning. These types of insurance can ensure that if the worst should happen, the right amount of money will reach the right hands at the right time.

DOWNLOAD GUIDE

Investing for children

Most parents want to help their children financially, whether it is making sure there is enough money for their education or helping them to buy a property. An early objective may well be to help children understand the value and importance of money.

DOWNLOAD GUIDE

Investment planning and asset allocation

Investment planning is now more of a science, rather than an art. Technology, ever increasing investment opportunities and stricter regulation have all encouraged a more scientific approach. But has your investment strategy kept pace?

DOWNLOAD GUIDE

Making the most of ISAs

When Individual Savings Accounts (ISAs) first appeared in 1999 as a replacement for PEPs and TESSAs, they were a relatively straightforward offering.

DOWNLOAD GUIDE

Taxation of property

You may have been lucky enough to inherit rental property or be in the position to purchase property outright. However, buying-to-let is the usual way of becoming a landlord, and it is an attractive proposition for anyone who can raise a deposit. Given a prolonged period of low borrowing costs and generally rising property values, this is not surprising. There has also been a perceived lack of good alternatives, with low savings rates and restrictions on the amount that can be saved into a pension.

DOWNLOAD GUIDE