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August 7, 2019

Here we look at some situations where clients comfortable with the associated risks could benefit from Business Property Relief-qualifying investments for inheritance tax planning. Nothing should be taken as investment advice or recommendation.

Clients who want access a...

May 17, 2018

This privacy notice explains how we use any personal information we collect about you.

What information do we collect about you?

We collect information about you when you engage us for financial planning/financial advice. This information will relate to your personal and...

December 6, 2017

1. You're fed up with low interest rates and want your money to work harder.

2. You're about to receive a windfall.

3. You're not sure you'll have enough money in retirement.

4. You've got a regular monthly income to invest.

5. You want to leave a legacy to your family.


November 23, 2017

The main highlights of the Autumn Budget are as follows,

Income Tax

The personal allowance will increase from £11,500 to £11,850 from 6 April 2018.  The point at which higher rate of Income Tax will apply will increase from £45,000 to £46,350 from 6 April 2018.  The Scot...

July 17, 2017

With the Lifetime Allowance (LTA) at just £1m and more clients choosing drawdown, the second LTA test has become a key planning consideration.

When clients first move into drawdown they trigger a Benefit Crystallisation Event (BCE) which tests the benefits being taken a...

May 15, 2017

Pensions have advantages in relation to death benefits. The benefits from a pension are normally outside of the member's inheritance tax (IHT) estate whereas with a LISA they will form part of the estate. It is also possible to pass pension funds down through the gener...

May 15, 2017

From this April, the residence nil-rate band will be available on death where an individual is leaving their residence to direct descendants. It will help many individuals with estates above £325,000 or spouses benefitting from the full transferrable nil-rate band with...

January 30, 2016

There's a potential IHT trap for members who are considering transferring their death benefits out of a DB scheme because they're in ill health, particularly if they have a terminal illness.


Pension scheme death benefits are normally outside the member's estate, provid...

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May 17, 2018

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Christopher Stephens Financial Services Limited is a company registered in England and Wales. Registration number 09623675. Christopher Stephens Financial Services Limited is an Appointed Representative of Lyncombe Consultants Limited, which is authorised and regulated by the Financial Conduct Authority.