In March 2015 the Government announced plans to create a second-hand annuity market and allow people, who had previously bought annuities, to sell them for cash, from April 2017. At the start of this month they decided to cancel those … Continued

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Richard Wadsworth was recently interviewed by Lexis Nexis Private Client, in association with the Private Client Dining Club, on one of their ‘hot topics’, the new pension death benefit rules.  The 10 minute Q&A video was shot at Lexis Nexis … Continued

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Last Wednesday, Carbon’s Managing Director, Gordon Wilson, made a guest appearance on BBC Scotland’s John Beattie radio show which was hosted by broadcaster Louise White whilst John takes a well earned break. The initial discussion focussed on the impact on the … Continued

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Last week, the Financial Times reported on some pretty relevant parliamentary debate. Putting the challenge to David Cameron in Prime Minister’s Questions, MP Tom Tugendhat spoke up on investment fees. Hidden charges, he claimed, can “strip a third off the … Continued

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From 6 April 2016, the maximum annual tax-relievable pension contribution will reduce for those with ‘income’ (see below for definition) of over £150,000. The standard £40,000 allowance will reduce by £1 for every £2 over the £150,000 to a minimum … Continued

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In today’s Press & Journal, Carbon’s Richard Wadsworth looks at the challenging topic of leaving your pension pot to loved ones, and exerting some form of control over where your funds go. As Richard points out, the new rules state … Continued

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22nd February 2016

Buy now while stocks last!

Five reasons to make pension contributions before 6 April 2016 At Carbon we’re not fans of sales techniques, but there really is a closing window for many individuals in terms of the ability to make pension contributions at a reasonable … Continued

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Pensions are no longer just a tool to provide income and capital in your retirement, they’re also a fantastic way to pass wealth down through the generations free from inheritance tax (IHT). So who can benefit? Everyone. Historically, most people … Continued

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Yesterday’s article in the Press & Journal from Richard Wadsworth, Chartered Financial Planner at Carbon Financial Partners, highlights the need to investigate whether or not your current pension arrangements allow you to take full advantage of the opportunities created by … Continued

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The Autumn statement seems a much more quiet affair than usual. However, there are some hints of bigger things ahead, which need careful proactive planning. The good… State pension will increase by 2.9% from April next year, and the new … Continued

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