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unbiasedfinancialanalysis.co.uk

UNBIASED FINANCIAL ANALYSIS NEWSLETTER - The new flat-rate state pension

http://www.unbiasedfinancialanalysis.co.uk//newsletter/the-new-flat-rate-state-pension.html

The new flat-rate state pension. People reaching their retiring age after April 2017 will be paid a higher basic pension. This removes the complexity of having the basic means tested pension and the state second pension (SERPS or S2P). To pay for this, National Insurance (NI) contributions will go up by 1.4% from 2017. Https:/ www.gov.uk/future-pension-centre. You will need your NI number. Https:/ www.gov.uk/calculate-state-pension. T: 44 (0)20 8715 4004 E: info@ufa-tf.co.uk.

unbiasedfinancialanalysis.co.uk

UNBIASED FINANCIAL ANALYSIS NEWSLETTER - xxx

http://www.unbiasedfinancialanalysis.co.uk//newsletter/brexit.html

I wanted to just send out a quick email to advise you that your portfolio is positioned defensively. As soon as the dust settles I will re-position your portfolio accordingly. At Unbiased Financial Analysis our aim is to help you achieve your life goals. By understanding your vision for the future we can provide added value as your trusted financial adviser. We are proactive and are continuously developing innovative solutions to support you. T: 44 (0)20 8715 4004 E: info@ufa-tf.co.uk.

unbiasedfinancialanalysis.co.uk

UNBIASED FINANCIAL ANALYSIS NEWSLETTER - New State Pension (NSP)

http://www.unbiasedfinancialanalysis.co.uk//newsletter/new-state-pension.html

New State Pension (NSP). In April 2016 the way the state pension is calculated changes. Where today you have the basic state pension and the additional state pension, going forward there will only be one pension the ‘new state pension’ (NSP). For example if you had worked for 30 years as a high rate payer the additional pension could be as high as 165 per week. Conversely If you had contracted out and was a low earner you might end up with no additional pension. There is not much you can do apart from en...

unbiasedfinancialanalysis.co.uk

UNBIASED FINANCIAL ANALYSIS NEWSLETTER - Corporate Dividend Strategy

http://www.unbiasedfinancialanalysis.co.uk//newsletter/corporate-dividend-strategy.html

From April 2016 the way dividends are going to be taxed is to change. You will be given a new 5,000 dividend allowance. However, dividends above that amount will be subject to an tax increase of 7.5%. If you pay yourself a small salary e.g. 8,000 and the rest in dividends you will pay more tax if you pay yourself more than 5,000 in dividends. The way the dividend allowance is applied is a little confusing. The example below will hopefully try to clarify the calculations. Let’s assume you receive ...Now t...

unbiasedfinancialanalysis.co.uk

UNBIASED FINANCIAL ANALYSIS NEWSLETTER - Budget and pensions update

http://www.unbiasedfinancialanalysis.co.uk//newsletter/budget-and-pensions-update.html

Budget and pensions update. There has been a great deal of press around the Chancellors proposals and I hope to put the changes in proportion. The finance bill will be issued this Thursday 27. March 2014 which will hopefully provide more clarity. The proposals will be consulted during 2014 and they could be implemented as soon as April 2015. The main proposals are:. To summarise, this is very good news for you. These proposals reduce the death benefit charge and give you more flexibility. At Unbiased Fin...

unbiasedfinancialplanning.co.uk

UNBIASED FINANCIAL PLANNING NEWSLETTER - Snowbound staff may lose holidays

http://www.unbiasedfinancialplanning.co.uk/newsletter/snowbound-staff-may-lose-holidays.html

Snowbound staff may lose holidays. I spotted this in the Sunday Times and I thought it might be useful for you. Business Doctor: Snowbound staff may lose holidays. The Sunday Times, Published: 27 January 2013. If snow stops staff from getting to work, they may have to take it as holiday (Paul Faith). DF writes: Heavy snow stopped some of my employees from coming to work. I don’t have a weather-related absence policy, so what action can I take? Can I take these days from them as holidays? If this option i...

unbiasedfinancialplanning.co.uk

UNBIASED FINANCIAL PLANNING NEWSLETTER - Probationary periods

http://www.unbiasedfinancialplanning.co.uk/newsletter/staff-probationary-periods.html

I came across this and thought it might be of interest to you. Did you realise that Probationary periods carry no legal standing? Business Doctor: It's easy to sack staff in first two years. The Sunday Times Published: 22 February 2015. Probationary periods carry no legal standing, writes Peter Done, managing director of Peninsula. Also, if you want to review an employee’s future in your company during the early stages, you do not need a reference to this in your contracts of employment. Unbiased Financi...

unbiasedfinancialplanning.co.uk

UNBIASED FINANCIAL PLANNING NEWSLETTER - Do you want to save tax this year?

http://www.unbiasedfinancialplanning.co.uk/newsletter/do-you-want-to-save-tax-this-year.html

Do you want to save tax this year? Do you want to save tax this year? Earnings above 42,475 are subject to 40% income tax. Earnings above 50,000 will affect the child benefit allowance. Earnings above 100,000 are subject to 60% income tax. Earnings above 150,000 are subject to 50% income tax. By topping up your pension you are able to reduce the amount of income tax you pay. Also if you want utilise your ISA allowance, this year’s stocks and shares limit is 11,280.

unbiasedfinancialplanning.co.uk

UNBIASED FINANCIAL PLANNING NEWSLETTER - Changes to cofunds platform charges

http://www.unbiasedfinancialplanning.co.uk/newsletter/changes-to-cofunds-platform-charges.html

UNBIASED FINANCIAL PLANNING NEWSLETTER - Changes to platform charges. Changes to platform charges. You should have by now received a letter from Cofunds regarding the Retail Distribution Review (RDR). The RDR has forced platforms and fund managers to review how they charge for their services. Cofunds has decided to do away with the switching charge of 0.25% and replaced it with a fixed annual platform charge of £40 (which is how some other platforms already charge).

unbiasedfinancialplanning.co.uk

UNBIASED FINANCIAL PLANNING NEWSLETTER - Client Linking now available on Skandia Invest

http://www.unbiasedfinancialplanning.co.uk/newsletter/client-linking-now-available-on-skandia-investment-solutions-platform.html

Client Linking now available on Skandia Investment Solutions platform. Skandia Investment Solutions have now made it possible to link your families accounts. This development will allow you to benefit from reduced charges, where your spouse or civil partner also holds investments on the Skandia Investment Solutions platform. By linking your account values together you could pay a lower platform charge. The aim of Unbiased Financial Planning (Troy French and Partners) together with.