Pension Freedom means more personal responsibility

Although many people welcome the additional choice offered via the new pension regulations, you now have much more responsibility to make sure your pension pot will last for your retired lifetime. That’s a daunting responsibility because that could mean planning for 20 years of spending with no earnings – just living off your pension income.

Our latest guide provides a plain-English […]

Welcome to the latest issue of ad+ Smart Money magazine

Welcome to the latest issue of ad+ SmartMoney magazine. Taxes, as we know, are one of the two great inevitables in life. As the UK tax system continues to grow ever more complex, and with more responsibility being placed on the individual to get their own tax right, ensuring that you receive the best professional advice to optimise your tax […]

ad+ Smart Money magazine (July/August 2015)

View the July/August 2015 magazine here.

Inside the latest issue of our magazine we look at how the new pension savings market offers much more flexibility and choice post–6 April this year, which is a positive, but it can be overwhelming. For people planning for retirement in the new world of pension freedoms, there are both risks and opportunities – from passing […]

Practical advice to sort out your finances

Our new edition of ad+ Smart Money magazine offers a range of articles containing practical advice and insight on some important personal financial planning issues:

Sort out finances with practical tips
Your questions answered about Pensions Freedom
Where in the world should you invest?
Gender disparity affects post-retirement financial planning
Hunting for more investment income?
How to get a clear long-term view of your finances

Download your […]

Informed insight on financial and tax planning issues

This is such an important time of year for taking action on a number of financial and tax planning opportunities, especially for business owners who want to accumulate and preserve personal wealth.

Many companies throughout Central Scotland are enjoying an upturn in trading, including those within the construction and leisure sectors. ad+ is helping business owners within Glasgow and Lanarkshire to […]

Budget Review: March 2015

The Chancellor’s 2015 Budget contained some important announcements and confirmed a number of changes planned for the new tax year.

We have put together a newsletter which contains the latest tax and financial information, which we trust you will find useful.
Topics covered include:

Business tax and investment incentives
The end of the traditional tax return
National insurance contributions
Pensions and savings
Value Added Tax
Income tax and […]

Confusion Over New Retirement Income Choices

Many people in Glasgow and Lanarkshire do not yet fully understand the significance of the new retirement income choices. At ad+ we often find that even some experienced business owners do not appreciate the significance of the changes available for retirement income from 6th April 2015.

According to a recent ‘Real Retirement’ survey (full sources and references below) by Aviva more […]

How to Protect Your Financial Position During a Divorce

Your pension can be the next biggest asset in a divorce after the family home, so it is important that it’s not overlooked. It can be split in various ways and it’s worth understanding the different options.
Beginning again following a divorce can be a daunting time, not to mention a busy one, but it’s crucial that newly single people review […]

A Budget for makers, doers and savers

What you need to know – the main talking points
The Chancellor of the Exchequer, George Osborne, gave his fifth Budget speech to Parliament on 19 March 2014. He unveiled plans to support economic recovery – including tax breaks to boost productivity, exports and manufacturing.

The deficit Mr Osborne announced would be lower than expected this year at 6.6% – and he […]

The changing nature of retirement

Looking for an alternative to buying an annuity?
When you want to access your pension pot, you have several choices. The right choice for you will depend on a number of different elements, such as your tax position, whether you have a partner, your attitude to risk and even your health.

On reaching retirement, you can buy an annuity to turn your […]