Blog

  • PRE-ELECTION SUMMARY 2017

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    Polls, policies, Brexit and your finances: what to expect in the run up to 8th June November brought us the election of President Trump. Earlier this month, Emmanuel Macron became President of France. Apparently not wanting to be left out, Theresa May took to the Downing Street lectern reserved for important announcements and called for a UK Genera...
  • What is rising inflation doing to your savings?

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    The Office for National Statistics (ONS) recently confirmed that inflation calculated by the Consumer Prices Index (CPI) rose from 1.8% in January to 2.3% in February, a figure above both the Bank of England’s own target of 2% and the figure of 2.2% predicted by many financial commentators. This rise will obviously have an impact on how far the mon...
  • How will your spending habits change in retirement?

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    It will come as a surprise to nobody that retirement is one of the biggest lifestyle changes you’ll ever experience. But as your priorities shift and the free time available to you increases, what you might not be as aware of is the way in which your spending habits are likely to alter too. Research analysing the spending patterns of households in...
  • If we are all going to have to work longer, what do you need to consider?

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    The long-established state pension age of 60 for women and 65 for men is set to change over the next few decades. The pension age for women has been gradually increasing since April 2010: the age for women is set to be brought in line with that of men, increasing to 65 by November 2018, with a woman’s birth month determining the exact date the chan...
  • An extra year before Making Tax Digital becomes law

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    As part of the Spring Budget, the Chancellor Philip Hammond gave an update at the beginning of March on the plans for rolling out Making Tax Digital (MTD), the scheme by HMRC to make digital record keeping mandatory and implement a number of changes to modernise the tax system. The key announcement was that many unincorporated businesses will now h...
  • What does the 25% charge on QROPS transfers mean for your dream to move abroad?

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    In the Budget, the Chancellor Philip Hammond announced a 25% charge for people moving their pension abroad. If you’re planning to spend your retirement somewhere warmer and sunnier than the UK then the news may have worried you somewhat – will it end up stalling your dreams of life after work spent overseas? The charge will affect qualifying recogn...
  • Employee Benefits Update

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    Pension Increase state pension age The State Benefit is paid out to all citizens in the Netherlands. The total amount received depends on the number of years lived in the Netherlands and whether the person is single or living together with a partner. As per January 2013 the retirement age for the state pension (AOW) has increased and will continue...
  • Employee Benefits Update (Dutch Version)

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    Pensioen Stijging AOW-leeftijd en pensioenrichtleeftijd De AOW-leeftijd stijgt in 2022 naar 67 jaar en drie maanden De pensioenrichtleeftijd wordt met ingang van 1 januari 2018 verhoogd van 67 naar 68 jaar. Reden voor deze stijgingen is de gestegen algemene levensverwachting. In de loop van 2017 zullen de pensioenregelingen aangepast moeten worden...
  • UK Pension Rules

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    UK Pension Rules (or does it?) In the UK Budget handed down in March new rules relating to the transfer of UK Pensions were announced and subsequently legislated. The HMRC directive (stating UK pension transfers should only be made to the country in which the member resides) will now be enforced by new legislation introduced in the Finance Bill 201...
  • Investing in a New US Climate

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    An acquaintance of mine was a state legislator representing a district within California. When “Then Movie Star” Arnold Schwarzenegger was running for Governor of California, the legislator said to me, “...if Schwarzenegger gets elected, he won't get anything done. We won't let him get anything done.” His point was, Schwarzenegger was an outsider a...