Blog | christopherstephens

Vulnerable Client Policy

It is complex to identify a vulnerable client as there are many different situations; the vulnerability may not be permanent and not...

Looking after your family's future

Here we look at some situations where clients comfortable with the associated risks could benefit from Business Property...

Privacy Notice

This privacy notice explains how we use any personal information we collect about you. What information do we collect about you? We...

7 SIGNS YOU SHOULD SPEAK TO A FINANCIAL ADVISER

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...

AUTUMN BUDGET SUMMARY-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...

DRAWDOWN AND THE SECOND LIFETIME ALLOWANCE TEST

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

PENSIONS AND LIFETIME ISA DEATH BENEFITS COMPARED

Pensions have advantages in relation to death benefits. The benefits from a pension are normally outside of the member's inheritance tax...

AN INTRODUCTION TO THE RESIDENCE NIL-RATE BAND

From this April, the residence nil-rate band will be available on death where an individual is leaving their residence to direct...

IHT WARNING - TRANSFERS FOR MEMBERS IN ILL HEALTH

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...