EIS | Independent Financial Advice Service, Pensions and Investment Portfolio Advisers

Pensions provision: Government’s demographic ‘time-bomb’

Wednesday, August 5th, 2009

The gradual decline of pensions provision in both public and private sectors may lead to a situation where large portions of the population are strapped for cashÂ in their retirement.

Tags: AIB Bank, Critical Illness Advice, Deloitte, EIS, Financial Adviser, Investing Advice, London Stock Exchange, Maxi ISA Contribution, Maximum Pension Contribution, Mortgage Deposit, Northern Ireland Bank, Office of Fair Trading, Pension Scheme, Pensions, Personal Pension, Retirement, Retirement Planning
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Pension planning: Five points to ponder

Monday, July 6th, 2009

The world of pensions planningÂ places high demands on our capacity to see, and make predictions, far into the future. Retirement seems a long way off, when you are in your twenties. However, these early years are precisely the time when it makes sense to set up a pension, and begin planning for that ‘golden sunset’ [...]

Tags: AIB Bank, EIS, Financial Adviser, LV=, M&G Corporate Bond, Maximum Pension Contribution, Northern Ireland Bank, Pension Planning, Pension Plans, Pension Quality Mark, Pensions, Retirement, State Pension
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The financial life cycle 3: The frantic forties

Thursday, June 11th, 2009

As you celebrate your 40th birthday, your GP may well recommend that you call to his surgery for a mid-life healthcheck. You have also reached a watershed in your financial life cycle. If you had your first job at around 20 years of age, and are hoping to retire at 65, then this is the [...]

Tags: EIS, Enterprise Investment Schemes, Financial Adviser, Financial Planning, Income Tax Allowances, Investment Strategy, Investments, M&G Corporate Bond, Mortgages, Occupational Pensions, Pension Plans, Repossessed Spanish Property, Retirement Plan
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The financial life cycle 2: The thrifty thirties

Tuesday, June 9th, 2009

As you celebrate your 30th birthday, you are entering the 2nd decade of your â€˜financial life cycleâ€™, the adult years as an earner when you may have the financial firepower to take real control of your life.

If you did not marry in your 20s, you may now feel that the time has come to marry and start a family.

Tags: Critical Illness Insurance, EIS, Enterprise Investment Schemes, Financial Adviser, Financial Planning, Fixed Rate Mortgages, Income Protection Insurance, Investment Profile, LV=, M&G Corporate Bond, Mortgage Deposit, Mortgage Payment Protection Insurance, Pension Planning, Pension Plans, Personal Pension, Remortgage, Repossessed Spanish Property
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Get back last year's tax with an EIS

Wednesday, June 3rd, 2009

Would you like to claw back some of those hefty taxes you gave to the government last year? You may be attracted by an Enterprise Investment Scheme (EIS), which is a government approved scheme providing a range of tax benefits to investors. With an EIS, you can recover tax equal to 20% of your investment, provided you [...]

Tags: Capital Gains Tax, Certified Financial Planner, Critical Illness Insurance, Debt Management, EIS, Enterprise Investment Scheme, future energy supply, Inheritance and Tax Planning, Inheritance Tax, Remortgages, Repossessed Spanish Property
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End of tax year – our top tips

Monday, February 9th, 2009

“Tax doesn’t have to be taxing”. YES it does. There is no nice way of putting this – it has to be paid. However there are ways in which we can avoid paying as much or reclaim what we have paid. Here are a few examples. Invest in an ISA to ensure that you do [...]

Tags: Avoid Tax, Best Mortgage Deal, Critical Illness Insurance, Debt Management Advice, DWP, Efficient Tax Planning, EIS, Enterprise Investment Schemes, Financial Advice, Pensions Planning, Private Pension, Professor David MacKay, Repossessed Spanish Property, Tax Relief, VCT, Venture Capital Trusts
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