esmart money

Payroll costs set to rise by 3%

It has been well reported that there is a large pension deficit in the UK and many of us will not have sufficient funds with which to retire. You will remember that in 2001 the government introduced new pension legislation making it mandatory for all employers with 5 or more members of staff to offer stakeholder pensions to their workforce. This was a great idea in theory but in practice very few workers are making contributions. With the State pension system at breaking point the government has decided upon some new drastic action…

Mr Rich joins the team!

We are delighted to announce the appointment of a new member to our team

Porter's Pedal Power

If you’ve ever watched in admiration at students cycling up Bathwick Hill then spare a thought for Rob Porter … our intrepid colleague has just returned from Ireland where he cycled the 410 miles from Mizzen Head in the South to Mallin Head in the North in just 7 days to raise money for Dorothy House Hospice Care

Higher earners will need to pay more into their pensions

A break from the long-standing principle that an individual receives tax relief on their pension contributions at their highest marginal rate

Nine in ten gold-plated pension schemes are at risk of closure

The vast majority of firms say they have insufficient assets to meet their pension promises

2009/10 Tax Tables

What do the numbers mean to you?

Housing market fortunes

Could you end up paying too much tax?

Absolute return funds

Making money during both rising and falling markets

Moving your pension

Bringing your money under one roof

Where should I put my money?

Recession-proof your portfolio

Will you be forced to delay your retirement

Advice is invaluable, particularly when you are dealing with more complex financial products

Corporate retirement planning

Choosing the right pension scheme options for you and your employees

Retirement matters

Your questions answered

Budget 2009 at a glance

Were you a winner or a loser?

Self-employment

New penalties if you are late in notifying HMRC that you have commenced self-employment

Good news for grandparents

You’ll still be able to claim credits towards the basic state pension even if you’re providing childcare

ISA limits increased

Welcome news for savers who have seen their savings income fall

Remortgaging

Reduce the cost of your single biggest debt

An opportunity to limit tax

Crystallising losses could work to your advantage

Budget 2009

Chancellor increases tax rate on high earners’

A Budget for Business

The highlights at a glance

Post-Budget business wealth check

Talk to us about our comprehensive planning service

Maintaining the financial security of your business

Don’t overlook your most important assets

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