INHERITANCE TAX
Many people spend all their life building up their fortune, for 40% to be taken by the tax man on death, in the form of INHERITANCE TAX.
Principle First will assess your finances and make recommendations, ensuring that you mitigate your beneficiaries' INHERITANCE TAX liabilities.
Inheritance Tax Calculator
FAMILY PROTECTION
For most people, family is the single most important thing. However, few people have the correct family protection in place.
We will demonstrate through simple calculations what life insurance, critical illness insurance and income protection you will require for a secure future.
Insurance Calculator
INVESTMENT EVALUATION
Not getting good growth on your investments?
At Principle First, we will evaluate your investments to ensure the best chance of growth. We will also educate you about your investments and the funds in which your money is held - giving you the confidence and knowledge to get a better return.
Investment Planner
RETIREMENT INCOME
People are not saving for retirement, or they do not review their existing pension to maximise their growth or minimise their risk.
Like all investments, Principle First will review your investments annually and advise you on how to ensure that you have an adequate income in retirement.
Pension Planner
MAKE THE RIGHT MOVE
Finding the right mortgage does not just mean going for the deal with the lowest interest rate.
There are many factors to take into consideration, when choosing a mortgage. We believe that with the right advice you can get the best mortgage deal that suits you. We are with you every step of the way!
Mortgage Planner
GET READY TO TAKE CONTROL OF YOUR MONEY
Ensuring your finances are in order can be a tricky task. Do you have bits here, and bits there?
At Principle First, we understand the importance of customers taking control. We have created OnePlan™ to allow you to take control of every aspect of your financial world in one space.
Coming soon...
Ethical funds watchdog EIRIS has found that 45% of companies have no management systems in place to check labour standards among their suppliers, and therefore fail to report on the issue. Worst offenders on worker exploitation are consumer goods makers, particularly of clothing, toys, and electronics.
Government plans to review tax on high earners could hit many on salaries lower than the £130,000 target group. Those who receive a performance-related bonus, for instance, could be subject to hefty tax recovery charges.
Pension schemes have come out tops with the majority of workers as being far ahead of other forms of saving. In a new survey, pensions came first with 44% of respondents, far ahead of property (18%) and well ahead of any other form of saving. Over three quarters of workers (77%) said they would regard a workplace or occupational pension as a significant plus point, when looking at any prospective employer.
Maximising the performance of your pension savings requires regular reviews and quality independent pensions advice. By constantly reassessing your pension investments, a good adviser can add thousands to your annual income in retirement. New figures from Aon Consulting use 3 scenarios to show the savings that are possible.
Why lose this year’s allowances for tax-free savings in ISAs? With just weeks to go before this year’s ISA allowances of £7,200 expire, you could set up ISA accounts to save for your children’s education.
A 45-year-old male smoker can save £276 on his annual life insurance premiums, and £1,000 per year on tobacco spending, by quitting cigarettes. The savings on tobacco will more than pay for the life insurance cover, according to Aviva.
If you are one of the13% of people in the UK who have taken out critical illness cover to protect themselves against losing their income through ill-health, you are probably aware that critical illness insurance offers identical cover for your children – free of charge.
Women turning 60 and claiming their basic state pension before April 6th stand to lose up to £20,000 of retirement income, compared to women turning 60 later this year. New rules that will apply after 6th April significantly relax the requirements to receive the full basic state pension for women.
The Bank of England has today decided to hold interest rates at the historic low of 0.5%. Customers seeking first time buyer mortgages right now are being advised to seek quality independent financial advice. An independent mortgage advisor, with their ‘whole of market’ approach, can find the very best mortgages based on the whole of the UK market, and will on average save you almost £1,000 on your annual mortgage repayments.
Income protection insurance policies now allow skilled workers more control to clearly define events covered. You can now receive a payout if you are no longer able to perform your own specific job or activity, rather than having to be incapable of all activities within your profession.
Are you one of the 27% of people soon to retire, who will rely on the basic state pension as their main means of support? If so, then you could be receiving basic state pension benefits that currently stand at less than £5,000 a year.
ISA allowances for the current year will expire on April 5th 2010, leaving savers just weeks to take up ISA savings of up to £7,200. New figures from National Savings & Investments (NS&I) reveal that only 15% of Britons understand the new Individual Savings Accounts (ISA) allowances of £10,200, which apply from April 6th.
