- It's never too late (Non-Habitual Residence (NHR)) - Published Oct 2018 by Raoul Ruiz Martinez
- Are You on Top of GDPR? - Published May 2018 by Raoul Ruiz Martinez
- Financial Fitness - Published Jan 2018 by Raoul Ruiz Martinez
- Six Tough Questions You Need to Ask - Published in Nov 2017 by Raoul Ruiz Martinez
- Plan for a Successful Retirement - Published Oct 2017 by Raoul Ruiz Martinez
- 5-year Plan, 10-year Plan, 30-Year Plan. Do you have yours? - Published August 2017 by Raoul Ruiz Martinez
- The Will Bank Opportunity by John L Douglas - Published in The Journal of the Law Society of Scotland 17th July 2017
- August 2017 - HMRC & Offshore Accounts for UK Residents
- A New Year, A New Start…. January 2017
- Inheritance Tax (IHT) Planning (Part 3) - Published November 2016
- Planning for a Better Future? Forget Trusts. Think Family Investment Companies! - Published Nov 16
- Inheritance Tax Planning (Part 2) - Published August 2016
- BREXIT: What do we know as investors and what are the unknowns? Published in July 2016
- Inheritance Tax Planning (Part 1) - Published in June 2016
- Why is tidy a key word in financial planning? Published May 2016
- The Future of International Financial Planning - Published in March 2016
- Volatility: Global Financial Markets and Tax - Published Feburary 2016
- Financial Information Sharing for 2016 - Published December 2015
Summary of the 2015 Pension Flexibility - Published 5th May 2015
Offshore bonds get £5k tax free savings boost - Published 29th April 2015
How your peers invest clients’ money: Finesco Financial Services Ltd - Published in Professional Advisor 25th March 2015
- TRUSTS : Good Reasons to Never Make a Change - Published March 2015
- Saving....for Ourselves - Today's children will need A £2.4m pension pot.
- Cash is King - Article Published 25th July 2013
- Saving – Don’t Put Off Till Tomorrow What You Can Do Today - Article Published 23rd May 2013
HMRC Statutory Residence Test - 6th April 2013
- QNUPS Article Published 23rd March 2013
- Old New Year - Article Published 24th January 2013
- Retirement and Savings – The Facts on Inflation published November 2012
- Finesco Prsentation on New Pension Rules - A New Generation Begins
HMRC Pension Tax Relief Changes
- Emergency Budget:
- Budget Day: 22 June 2010
- Capital Gains Tax Angles
- Long Term Care
- QROPS: Transferring UK Pensions Overseas
- The State of Pensions
- ISA Changes Affecting You



ISA Changes Affecting You
October 2009 has introduced changes to the Individual Savings Account (ISA) regime which are the most significant since it's inception back in 1999. Ten years ago ISAs replaced PEP and TESSA plans and ever since they have been an extremely popular investment choice for millions of savers.
The changes mean that if you are aged 50 or over during this tax year, i.e. if your 50th birthday is before 5 April 2010, your ISA allowance increases from £7,200 to £10,200.
For everyone else, the increased allowance comes into effect in April 2010.
It is worth remembering why ISAs are just so popular.
➢ You pay no Capital Gains Tax on profits.
➢ No further Income Tax on income.
➢ You can withdraw your savings at any time, tax-free.
➢ Invest for income, growth or a bit of both.
The changes mean that even more savings can be sheltered under an ISA and for couples, of course, the benefit of the increase is doubled.
For those of you who have already benefited from the PEP or ISA approach, you can now consolidate all of your plans into one main ISA plan saving a deluge of paperwork and making it much easier to manage your savings using a focussed portfolio and to review your plans regularly.
The allowance is available each year but is lost if you don’t use it by 5 April, it can’t be rolled forward.
Deposit rates are very poor just now and we do not expect much of an increase any time soon. It makes sense to protect what little interest you receive against tax and a Cash ISA (maximum £5,100 or £3,600 dependent on age) will do this.
If you are able to accept the risk we believe stockmarkets and fixed interest markets are attractive at the moment. We feel you should consider investing in an ISA although, of course, there are no investment guarantees.
Please consult us for individual advice on whether an ISA plan or ISA consolidation plan is suitable for you.
For more information