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IHT&#39s a year-round thing

Scottish Equitable is urging IFAs to view inheritance tax planning as a year-round consideration, not just one kept until the the end of the tax year.

It believes the Budget on March 7 is unlikely to bring significant IHT reforms but believes a second Labour term may prompt changes to the system.

It is offering a range of initiatives to help IFAs provide IHT solutions.

ScotEq says the growth in high-net-worth investors means IHT should be an continuing concern for IFAs as more people are likely to have a significant problem.

It is producing an IFA business development pack to help alert clients to potential problems, and offer solutions.

Head of sales (international products) Richard Leeson says: “These days, you only need to have bought a council house in London in the early 80s for the value of it now to bring you into the danger zone for inheritance tax liability. For those at the top end of the high-net-worth investor scale, the need to take action is even more evident.IHT planning presents great opportunities for IFAs. It is a classic area where IFA expertise and personal service can make a big difference.”


IFAs point to big gaps between annuity rates

IFAs are claiming that just 10 of the 40 or so annuity providers offer competitive rates, products and services. The IFAs, including The Annuity Bureau and Carrington Consultants, say there is a gap of about 25 per cent between the best and worst rates offered in the market. While they acknowledge that individual circumstances must […]

Gartmore appoints two to investment team

Gartmore is appointing Nigel Kennett and David Backhouse to its investment division.Kenett is to be appointed as a pan European analyst focusing on consumer goods and services. Kennett comes from six years at Royal & Sun Alliance where he was a pan European food and retail analyst.Backhouse joins as credit research analyst. A trained accountant, […]

Money Management Council calls for product clarity

Consumer charity the Money Management Council is calling on the financial services industry to make products easier for consumers to understand.The charity has carried out a six month pilot study of consumers in association with Cirencester Citizens&#39 Advice Bureau. The study indicates that apathy, fear and reluctance to take decisions because of lack of understanding […]

Survey shows young people want financial services

Few young people currently have savings, insurance and pensions, but most aspire to have them, according to a survey of YMCA residents by the New Policy Institute .The research shows 90 per cent think they need a pension but only 10 per cent have actually started one. Of those surveyed, 70 per cent thought it […]

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Guide: how to… communicate with your pension members

Effective communication of your pension scheme is a large part of getting auto-enrolment right. Delivering the same message to all employees is not necessarily the way to go. To assist you with the communication of your pension scheme, we have provided some key areas to think about, such as:

  • What to consider when segmenting your workforce
  • How to communicate to pension scheme members at the right time in their member lifecycle
  • What topics you should be discussing with your pension members
  • The new pension freedoms and the importance of communicating them


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