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3 ways to make the most of your state pension

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Here are three things you can do to boost your State Pension: If you have already retired (before April 2016) you can boost your state pension income by making a lump sum investment known as the “State Pension top up”. ...

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Flowers McEwan Has Moved Offices!

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That title may sound a bit grand but actually we are only moving a stone’s throw from our previous offices (where we’ve been for five and a half years). We’ve decided to take advantage of low property prices to invest ...

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Dividend taxation is changing

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The way dividends are taxed will change from April 2016.  If you own a limited company and pay yourself by means of dividends this will affect you the most.  People who have higher levels of dividend income from ...

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Changes to care costs deferred

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A key concern for many of our clients is paying for long term care sometime in the future. Proposals for improvements to the system have been floated but won’t see the light of day for another five years at least. The ...

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NS&I 65+ bonds – maturity options

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If you have invested in a 1 Year NS&I 65+ bonds you will be receiving notification about your maturity options after 15 January 2016. Your maturity date will depend on the day your bond started. Unfortunately, and ...

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When Greed is Not Green

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My last blog focused on fear – the fear that rumbles when markets grumble – this blog shines the spotlight on greed. Fear and greed – the emotions I was taught to look out for in my early days as a financial adviser. ...

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2014 Budget changes to pensions and savings

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Changes to Pensions and ISAs In the recent budget Chancellor of the Exchequer George Osborne announced far reaching changes to the way pension benefits may be taken.  He also announced the development of  Individual Savings ...

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Ethical-Investment

An Introduction to Ethical Investment

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We believe it is possible to plan your finances and invest your money in line with your values – without paying an unnecessarily high price in terms of risk, returns or charges. Since the 1980’s the demand for ethical ...

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Lifetime Allowance

Pension Lifetime Allowance 2014/15 – Act now to avoid accidentally paying 55% tax

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From 6 April 2014 the pension lifetime allowance will reduce from £1.5 million to £1.25 million. Whilst the figure of £1.25 million sounds like a lot (because it is), there are likely to be a number of higher earning ...

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2013 – A year of significant change

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2013 was a year in which there were several very significant developments for our firm. The way in which we do business remains unchanged but the financial services environment in which we work has metamorphosed into ...

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