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Vulnerable clients and the pension journey

Failure to consider the needs of vulnerable clients could clearly result in poor client outcomes and it also constitutes non-compliance with the FCAs principles, rules and expectations.


A Trio of tax

Last month I covered the entry charge for discretionary trusts and now I am moving onto the periodic charge where I will explain in simple terms how it works.


In the words of Bananarama 'It ain't what you do (it's the way that you do it)'

As a result of gradual reductions to the standard Lifetime Allowance (LTA) over the last few years, more and more clients are now subject to a LTA excess.


You do the hokey cokey and the Money Purchase Annual Allowance is £4,000.

The Government announced their intention for the Money Purchase Annual Allowance (MPAA) to reduce, to £4,000 from 6 April 2017, in their final spring budget on 8 March 2017.


Update on the new online Trusts Register Service

With the new trusts register service now up and running, HMRC has published guidance for users.


Questions from the Technical Helpline - Tax & Trusts

This edition looks at Capital Gains Tax (CGT) and how to crystallise gains on partial disposal of shares in an OEIC fund.

Questions from Technical Helpline - Pensions

Questions from the Technical Helpline - Pensions

This month we turn our attention to some common questions we are asked about pension death benefits.



Learning objectives and CPD test

For UK Adviser Use Only - Not Approved For Use With Clients