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Knowledge Direct Knowledge Direct Technical planning

PIP changes - July Summer Budget

PIP changes - July Summer Budget

PIP changes

Significant changes to pension input periods (PIPs) were introduced. From 6 April 2016 all PIPs will run in tax years and these PIP start and end dates will not be able to be altered by either the provider or the member.
Significant changes to pension input periods (PIPs) were introduced. From 6 April 2016 all PIPs will run in tax years and these PIP start and end dates will not be able to be altered by either the provider or the member.
Significant changes to pension input periods (PIPs) introduced.


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Home is not always where the heart is

Home is not always where the heart is

Where is home?

We generally feel some sort of a connection to the place we were born, however, that emotional connection counts for nothing when determining whether it is home and whether we would be taxable in that country.
We generally feel some sort of a connection to the place we were born, however, that emotional connection counts for nothing when determining whether it is home and whether we would be taxable in that country.
Emotional connections count for nothing.


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Main residence Nil Rate Band – don’t turn your back on IHT planning 

Main residence Nil Rate Band – don’t turn your back on IHT planning 

Main Residence NRB

An article providing a brief summary of the new Nil Rate Band available for an individuals main residence and the impact it will have on IHT planning.
An article providing a brief summary of the new Nil Rate Band available for an individuals main residence and the impact it will have on IHT planning.
Summary of the new Nil Rate Band available on main residence.


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Pension rules: Care and State benefits

Pension rules: Care and State benefits

Pension rules 

State benefits and care home fees can be affected by how and when pensions are taken - and even if they are not taken. This article looks into some of the effects the new pension legislation could have on these benefits.
State benefits and care home fees can be affected by how and when pensions are taken - and even if they are not taken. This article looks into some of the effects the new pension legislation could have on these benefits.
State benefits can be affected by how and when pensions are taken.


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Pension Input funding - July Budget 

Pension Input funding - July Budget 

8 July Pension Inputs

The attached table outlines the potential options for pension funding under the transitional "mini PIP's" created by the Summer Budget on 8 July 2015.
The attached table outlines the potential options for pension funding under the transitional "mini PIP's" created by the Summer Budget on 8 July 2015.
Options for pension funding under the new "mini PIP's."


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Buy to let investing even riskier

Buy to let investing even riskier

Buy to let even riskier

UK Summer budget makes buy to let riskier.
UK Summer budget makes buy to let riskier.
UK Summer budget makes buy to let riskier.


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Planning for Non UK Domiciles - using your tax allowances 

Planning for Non UK Domiciles - using your tax allowances 

Non UK Domiciles -
UK tax
allowances 

The following case study illustrates a typical Inheritance Tax (IHT) planning issue for UK domiciled clients along with potential solutions. A full fact find would need to be completed to assess suitability of the potential solutions by the adviser. The solutions are based on exemptions and allowances available under the rules in force at the date of this article for the tax year 2015/16.
The following case study illustrates a typical Inheritance Tax (IHT) planning issue for UK domiciled clients along with potential solutions. A full fact find would need to be completed to assess suitability of the potential solutions by the adviser. The solutions are based on exemptions and allowances available under the rules in force at the date of this article for the tax year 2015/16.


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Budget July 2015 - the devil is in the detail

Budget July 2015 - the devil is in the detail

Budget July 2015

On 8 July, George Osborne delivered the first Conservative Government Budget for 19 years. Many headlines had already been flagged-up in advance so there were no immediate surprises. As usual ‘the devil is in the detail’ however, in this article we look behind the headlines and provide further detail about those Budget measures of particular interest to you.
On 8 July, George Osborne delivered the first Conservative Government Budget for 19 years. Many headlines had already been flagged-up in advance so there were no immediate surprises. As usual ‘the devil is in the detail’ however, in this article we look behind the headlines and provide further detail about those Budget measures of particular interest to you.
The devil is in the detail


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Trusts - Simple yet effective

Trusts - Simple yet effective

Trusts - Simple yet effective

This article explains how trusts are simple yet effective financial planning tools. It provides an overview of why trusts should be used with Old Mutual Life Assurance policies.
This article explains how trusts are simple yet effective financial planning tools. It provides an overview of why trusts should be used with Old Mutual Life Assurance policies.
How trusts are simple yet effective financial planning tools.


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Time apportionment relief changes

Time apportionment relief changes

Time apportionment relief 

The aim of this document is to provide an overview of the changes to time apportionment relief which were implemented in the Finance Act 2013.
The aim of this document is to provide an overview of the changes to time apportionment relief which were implemented in the Finance Act 2013.
An overview of changes following the Finance Act 2013


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