Blog

  • 3 pension changes you may have missed in the Budget

    Posted on
    There was scarcely a mention of the ‘P’ word in October’s Budget speech (believe us, we were listening closely for it!). Instead, Hammond used the Budget speech as an opportunity to unveil his ‘rabbit in the hat’ changes to income tax thresholds, an increase in NHS mental health funding and a ban on future PFI contracts. However, we had a good read...
  • 4 ways to live a happy retirement

    Posted on
    Retirement should be the time of your life. No more early alarm calls, no more commuting and no more carefully counting your holiday allocation. Instead, you have the freedom to do exactly as you please. Yet retirement might not always work out as the idyllic move to a cottage by the sea it’s billed to be. Some people, in fact, dread retirement and...
  • How will AI change your interactions with your accountant?

    Posted on
    When you hear the words ‘artificial intelligence’, the first thing you think of is probably one of the many examples of computers and machines built to think, work and react like a human being in the movies. But AI is certainly no longer a fantasy restricted to the world of science fiction, with its application being explored in countless areas of...
  • What to consider before buying health insurance

    Posted on
    Taking out health insurance is a big financial commitment. However, private healthcare is an attractive option to some because it allows you increased choice, private hospitals, reduced waiting times and more personalised care compared to free NHS treatment. Private treatments can be costly if you don’t have insurance. As with all types of insuranc...
  • The Quirky Investor’s Guide: Wine

    Posted on
    Wine is perhaps the most quintessential ‘fun’ investment choice. However, wine is more than just fun – it’s incredibly profitable. Fine wine is one of the best performing asset classes of the last 20 years. What’s more, it’s rising in value. The Liv-Ex Fine Wine 100 index has more than trebled since its launch in 2003. Also, fine wine investment is...
  • Quarterly Newsletter - November 2018 - Paul Beard Introduction

    Posted on
    Hello everyone  I write the foreword to the final 1/4ly bulletin of the year with the UK on the brink of either a change of Prime Minister, a change of Government and/or another referendum. Not exactly the most uplifting of choices, frankly it’s all a bit of a mess. The impact, albeit, perhaps, short term on the value of the pound and stock market...
  • Employee Benefit update Netherlands

    Posted on
    30% Ruling The Dutch Government has announced that the ruling will be adjusted. The 30% ruling used to be valid for a period of 8 years, however the Dutch government has decided to decrease the maximum years that the ruling can apply to 5 years. The new time limit will apply to new and existing beneficiaries of the tax break. This means that those...
  • A German View on Germany in the World

    Posted on
    I was fortunate to have been raised and educated in Germany, a country which throughout my life time has grown economically and brought prosperity to its people. My life has been lived in a peaceful Germany and a Germany that now works for peace and prosperity for all nations so let me share my view on my homeland, its successes and challenges. The...
  • Alexander Beard - Service to British Expats

    Posted on
    The Alexander Beard Group launched its service to British Expats around the world in 1995. 2018 has seen a rising demand for our Expat financial planning services as individuals choose to work and retire across the globe. We have expanded our Expat team as the demand has arisen throughout the year. Examples of the types of work we have undertaken a...
  • What triggers the money purchase annual allowance (MPAA)?

    Posted on
    Introduced on 6 April 2015, the MPAA is an allowance for those making pension contributions whilst also accessing pension benefits flexibly. It’s purpose is to restrict the extent to which pension savers can benefit from a second round of tax relief – i.e. by limiting the amount they can withdraw and then re-invest in the pension scheme. The allowa...