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To quote Benjamin Franklin   “In this world nothing can be said to be certain, except death and taxesâ€. Well not according to the Chancellor, who has announced the abolition of the 55% lump sum death benefits charge (further details to follow in the Autumn Statement on the 3rd December).  As a result those who die…
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During the recent Budget the Chancellor, George Osborne, announced various wholesale changes to the way that investors may ultimately draw benefits from defined contribution pension arrangements such as personal pensions. For those reaching retirement between now and April 2015, these changes may have thrown any original planning into a state of flux. Whilst additional flexibility…
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On 1st April 2014, Cave & Sons were pleased to welcome both clients and professional associates to join us at our Northampton head-office for an evening hosted by our Chief Executive Officer, Andrew Cockerill, who was joined by regional Bank of England representative, Pamela Wright, and fund manager from Schroders, Nick Kirrage. After the exchanging…
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The Chancellor resisted ending the budget speech as above, but it would have been appropriate. The oft quoted reason for not funding a pension is the requirement to purchase an annuity with the proceeds. Â Whilst this has ceased to be an issue due to changes introduced over the last few years, the government has decided…
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It’s that time of the year again! The end of the financial year is fast approaching, which means there is only a limited time to use your annual ISA allowance (currently £11,520 for a stocks and shares ISA). Don’t worry, even if you have already fully subscribed for a cash ISA (£5,760), you can still…
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