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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 […]

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 […]

New ISA rules help you accumulate tax-efficient wealth

You can accumulate substantial amounts a personal capital in a tax-efficient way via an Individual Savings Account (ISA).
From 1st July, ISAs will become even more attractive and more flexible:-

All existing ISAs will become a simpler product called the New ISA (NISA).
Your NISA annual investment limit will be increased to £15,000.
You will be able to transfer your investments from a stocks […]

Impending new lifetime allowance limit changes

If you are making high levels of pension contributions you will need to obtain professional financial advice to make sure that you know whether you will be affected by the impending new lifetime allowance (LTA) limit changes. Thousands of pension savers could be impacted by the forthcoming changes unless they act swiftly.
Your total pension savings
You should check what the value […]

Retirement planning: let the taxman help

Retirement is a time that most people look forward to, and with a solid financial plan in place for retirement planning, you can too.

While many individuals have looked to parallel investments for retirement in the current climate – such as gold, second homes or buy-to-let – it is important to take advantage of tax reliefs and (tax-deductible) employer contributions to […]