TimMatthias
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@TimMatthias said: @les_cameron said: No. The only legal thing you can do with the remaining uncrystallised funds is put it in to drawdown - and the income would be taxable and trigger MPAA. How and when did he crystallis…
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@les_cameron said: No. The only legal thing you can do with the remaining uncrystallised funds is put it in to drawdown - and the income would be taxable and trigger MPAA. How and when did he crystallise? Might be potential to squeeze out…
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@richallum said: The Worthstone portal allows you to filter based on those. @benjaminfabi said: Is it also the case that if you are investing via a B-Corp certified DIM then you'd be okay? EG Tribe Impact Capital and EQ Investors…
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My understanding is that any lump sum in excess of 25% of LTA is taxed as income, so the £268,275 cap would still apply to the whole fund. Can't see anything online to actually confirm this though, so looking forward to an expert providing a defi…
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Hi Pippa, Hope this will help. https://pjdtax.co.uk/updates/uk-taxation-of-us-pensions-for-non-us-citizens-and-residents/
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A couple of handy links: https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/1174987/dmgch28.pdf https://www.ageuk.org.uk/globalassets/age-uk/documents/factsheets/fs91-pension-freedom-and-benefits.pdf
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@Wildparaplanner said: Hi all, We are looking to do a research piece on the smoothed return market. I am aware of Aviva, Prudential and LV= having smoothed return ranges (with the latter offering a different mechanism to Pru and Avi…
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Hi Peter, We switched to the Cashcalc fact find over a year ago. Clients seem to really like it and are happy to log on and fill in the information themselves. You can then create a cashflow forecast based on the fact find info. Just asked for…
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We use cashflow forecasting.
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Brand do a calculation workbook, which is well worth getting even if you opt for CII or one of the others. Online revision mate from CII is best for mocks in my opinion.
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@Gustavo_Fring said: Xplan and Voyant definitely integrate. You do have to make sure the quality of the data on the client record is accurate to make it worthwhile though. In my experience, quality of data on Xplan seems to be very hard t…
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@les_cameron said: Whether there is a point or not will be dictate what their objectives are. The whole employer contribution will be excess (I'm assuming no carry forward). They'll be suffering marginal rate tax (the AA charge) then marg…
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We use Compliance First/Simply Biz. They also do the file checks and regular webinars/events.
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Nath, Couldn't find anything that suggested this wouldn't work.
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@Sam_T said: Hi I would run a search on FE using the terms 'shariah' and 'islamic' - don't forget to search both UK unit trusts and OEICs but also offshore 'FCA recognised' providers. It may not bring up all of those that apply, but…
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It looks right to me, although I would rather wait for Les to confirm it. Looks like I'll have a free hour or so this afternoon, so I'll see if I can find anything to back this up.
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Chris, Hopefully this will help. https://www.gov.uk/hmrc-internal-manuals/pensions-tax-manual/ptm053200#IDAZ0WKD
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https://www.litrg.org.uk/tax-guides/students/going-abroad Hope this helps Glyn.
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According to CII r03 guide for September 2022 to August 2023 Class 4 NICs used are 9.73% and 2.73%.
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@Steven_McBurnie said: Have you looked at the lang cat Tim? https://www.platform-analyser.com/features/ Thanks Steven. Cost looks reasonable, so I'll speak to the guy that pays the bills and see if he's happy to pay it. Defaqto com…
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Found it now. Hate this system, so alternatives still appreciated.
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You could try DG Mutual. Not an executive plan, but they will take employer premiums.
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If you are staying with Royal London, they use their "Income Release" product to hold the crystallised funds, with any uncrystallised funds remaining in the original plan.
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Pretty sure that the two year clock starts again unless you pass the BPR qualifying asset to a spouse or civil partner.
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Has anyone managed to get the report to print on two pages? If I select PDF to print there is enough space at the bottom of pages 1 and 2, but the report defaults to 3 pages.
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Hi Amelia, I believe it is £85K in total. Tim
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If you want to be as close to CII as possible, then the CII past papers will be best. I used Revision Mate via my CII login, which allowed me to do past papers online in the same way that the exam itself works. I have also found the Brand stuff t…
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@les_cameron said: I've always understood they are considered but this is the DWP guides for Staff if you scroll down to H2 - Capital Disregards you will see that onshore investment bonds are disregarded indefinitely. https://www.gov.uk/governmen…
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@Sam_T said: Thanks Ben - interesting and I understand your point. I suppose, it is worth arguing that the TB today is a known figure, against a future 'potential' TB which is unknown. In an ideal world I would ditch off Selectapens…
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I receive an email every evening from ADVFN Newsdesk, which is free. It is far too much detail on individual stocks to be bothered with every day, but provides some good general information too. Example below: London stocks closed in a mixed stat…