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Pension Awareness Day

Mark Winterton
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Pension Awareness Day aims to highlight the importance of pension savings. The pensions industry comes together to help the public and employers understand pensions and how to achieve the retirement they want. Pension Day will help focus your mind and what...

Revisiting Protection in 2020

Amy Urquhart
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To say that 2020 has been a challenging year is an understatement. Some people have faced ill-health (physical and / or mental), others have lost their job and the rest of us are coming to grips with the readjustment of our daily lives. A silver lining...

HOLDING ON TO THE FAMILY'S WEALTH FOR THE NEXT GENERATION.

Edward Papworth
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Over the last few years families have found that with the increase in the value of property and other assets they may potentially be facing an inheritance tax liability upon the passing of parents and other near family members. The nil rate band for...

So How Good Are Premium Bonds ?

Sarah Coulson
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Premium Bonds are operated by NS&I which, rather than being a bank, is backed by the Treasury, this means your capital is as safe as it gets compared to the £85,000 protection afforded under the Financial Services Compensation Scheme (FSCS) You...

We Are Family - the importance of intergenerational planning

Amy Urquhart
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Many parents and grandparents are keen to pass on their wealth to loved ones, but there is little understanding about how this can be done in a controlled and tax-efficient manner. When someone dies, their estate becomes liable for inheritance tax . In...

Answering your questions on Equity Release

Sophie Barnes
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What is Equity Release? Many people have heard of the term, but don't understand what it is or how it works. Equity release is an option for homeowners to release tax-free cash from their property. It is becoming an increasingly popular way for people...

Retirement Cash Flow Modelling - A Tool To Help The Future You.

David Martin
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Retirement – The Road Ahead We may have to work for 40 years to enable us to enjoy the retirement we dream about. Although everyone's vision of retirement is different, they all require the same thing – enough money to fund it. As...

Coronavirus COVID-19 Chattertons Update

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Chattertons Solicitors  are open for business.  However we are following government recommendations and would encourage you not to visit any of our offices except by prior arrangement. We are closely monitoring the developments of COVID-19 and are...

Are Innovative Finance ISAs as bad as they are painted?

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When George Osborn, then Chancellor of the Exchequer, announced the launch of Innovative Finance ISAs (IFISAs) back in 2016 there was much hype about how they would be an exciting new way to invest, bringing investments previously only open to the ultra high...

Taxing Times on Inheritance

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HM Revenue & Customs (HMRC) has reported a new record high  for Inheritance tax (IHT) receipts in 2017/18 with around £5.2 billion being received, a £400 million year on year increase in the amount received in 2016/17 last tax year,...

Cyber Insecurity

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A recent report by the UK’s National Cyber Security Centre (NSCS) shows that millions of us are using passwords, on sensitive accounts, that are almost laughably easy to crack.  The NSCS conducted an analysis of passwords found in public databases...

Beware of Pension Scams

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Beware of Pension Scams Pension freedom has enabled those approaching retirement to consider a much wider choice of alternative options as to how to employ the pension funds that they have accumulated through their careers. However, unfortunately the...

UK Personal Debt

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UK Personal Debt The media has recently given considerable coverage to the issue of personal indebtedness in the UK. In this article we consider the latest data available on the extent of personal debt in the UK, the impact that such personal...

WHAT TO EXPECT AT YOUR FIRST MEETING WITH A FINANCIAL ADVISER AT CHATTERTONS WEALTH MANAGEMENT

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Your first meeting will be free of charge. We will tell you the regulatory information and also tell you about our background in financial services. We will go through what is called a fact find. This is a gathering exercise to establish your income,...

Pension (and other) Scams

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The City of London Police Economic Crime Directorate is recognised as the national policing lead for fraud and is dedicated to preventing and investigating fraud at all levels. According to their figures, some £51 million worth of investments was lost...

State Pension - Calculation Errors.

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A Financial Times report in June revealed that many thousands of people have been receiving the wrong amount of state pension.  The errors have resulted in both under and over-payments so that some pensioners will see a fall in the amount they receive...

Premium Bonds - A good investment?

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Premium bonds are an incredibly popular savings vehicle with over 21 Million bond holders and around £72 Billion ‘invested’.  And yet, they really aren’t a savings vehicle at all.  There is no interest rate although NS&I...

EQUITY RELEASE FACTSHEET

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WHAT IS EQUITY RELEASE? Equity release allows individuals aged 55 and over to release money from the property they live in without having to make any monthly repayments. There are two types of equity release; Lifetime Mortgages and Home Reversion...

Money Matters - Investments. "Beware of geeks bearing formulae"

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Are you someone that likes to see the bigger pictures, that builds schemes and frameworks for, or are you someone that likes to see the detail and likes to build a clock rather than tell the time? Top Bottom What? This area is actually a lot more simple...

Money Matters - Investments. "I like stocks like I like socks, great quality for minimum price"

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When you go into a clothes store, do you immediately head for the offers section to see if you can hunt out a bargain – or do you go to the new releases aisle to get the best quality? Value / Growth These are two sides of the same coin. There is...

Money Matters - Investments. "Buy / Build / Hold / Trim / Sell"

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People think differently. I was in a coffee shop the other day and, like most people in the bewildering setting of a coffee shop, was stunned by the sheer variety on offer. If you think a coffee shop can be confusing, there are only normally 6 different...

Money Matters - Pensions "Shopping Lists"

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What can I buy with my pension? Read on to find out… Can I buy my house? No. Can I own my house with a company and buy the company with my pension? No. Can I buy a buy-to-let with my pension? No – not ever have or will you ever be...

Money Matters - Taxation of Pensions. "Not a free meal ticket"

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After the success of the last five ‘money basics’ articles we are continuing this theme with a series of articles on focused subjects. The next five will be covering the overly complex subject of pensions in a little more detail. So, we’ve...

Money Matters - The Annual Allowance. "Tax relief"

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After the success of the last five ‘money basics’ articles we are continuing this theme with a series of articles on focused subjects. The next five will be covering the overly complex subject of pensions in a little more detail. Last week we...

Money Matters - Flexi-Access Drawdown. "With great power comes great [x]"

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After the success of the last five ‘money basics’ articles we are continuing this theme with a series of articles on focused subjects. The next five will be covering the overly complex subject of pensions in a little more detail. Last time we...

Money Matters - Pension Annuities. "A guaranteed income for life"

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After the success of the last five ‘money basics’ articles we are continuing this theme with a series of articles on focused subjects. The next five will be covering the overly complex subject of pensions in a little more detail. As these...

Money Basics - Debt

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Money basics is a series of short articles where we will explore several themes that confuse and bewilder and try to break down all the legalistic jargon into plain English. Previous articles have covered pensions bonds/endowments ISAs Life insurance. ...

Money Basics - Protection

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Money basics is a series of short articles where we will explore several themes that confuse and bewilder and try to break down all the legalistic jargon into plain English. In the first article we covered pensions, covering ISA accounts in the second and...

Money Basics - Investment Bond / Endowment Myths

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Money Basics – Investment Bond / Endowment Myths Money basics is a series of short articles where we will explore several themes that confuse and bewilder and try to break down all the legalistic jargon into plain English. So far we’ve...

Money Basics - ISA

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Money basics is a series of short articles where we will explore several themes that confuse and bewilder and try to break down all the legalistic jargon into plain English. Last week we discussed the best tax wrapper to hold your investments in, this week...

Money Basics - Pensions

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Money basics is a series of short articles where we will explore several themes that confuse and bewilder and try to break down all the legalistic jargon into plain English. Tweet us your article suggestions @ChattertonsLaw – literally anything in the...

Providing a sustainable income in retirement

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You’ve done well, investing and growing your money in your pensions, LISA and ISA accounts and now you are wondering what investments will work best for you to provide a sustainable income in retirement. The current generation of retirees are the...

Economic Review - December 2016

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Click the image to read or download our Economic Review (December 2016)...

Autumn Statement 2016

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Click the image to read or download our newsletter on the 2016 Autumn Statement...

Wealth Management Newsletter - October 16

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This month the Chattertons Financial Services newsletter covers the stance taken by HM Revenue & Customs on closing tax loopholes, tax assisted cycling and the pension advice allowance. Download and print your own copy of our Financial Services...

Retirement Planning - Time for a Health Check?

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Pensions underwent the most far reaching changes in modern times in 2014 which mean that pension savers now have significantly better flexibility and control.  The changes have been very positive but it can also seem overwhelming with such a wealth of...

Crisis Looming - The Bank Brings Certainy

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In a press conference today Governor of The Bank of England sought to reassure investors and economists as to the security of the UK banking system.   In his initial statement he had this to say:   “Major banks hold four times the...

Happy Budget Day!

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With his fourth Budget in under twelve months getting underway shortly, George Osborne certainly seems to want value for money!  I’ll be settling down at 12.30 for “Lunch with George”, but to be honest I’m struggling to...