Inheritance Tax

by libertas2019 on May 1, 2019 No comments

No longer something that only affects the very wealthy

Inheritance Tax is no longer something that only affects the very wealthy, but the good news is that there are ways to limit the amount of Inheritance Tax your family may potentially face.
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libertas2019Inheritance Tax

Why do you want to invest?

by libertas2019 on May 1, 2019 No comments

Reaching specific life goals requires planning

If you don’t know where you want to go, you’ll find it tricky getting there! Investment goals cover everything from the old adage of saving for a rainy day to planning for a comfortable retirement.
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libertas2019Why do you want to invest?

State pension

by libertas2019 on May 1, 2019 No comments

Half a million workers past pension age could be paying unnecessary tax

A significant number of people working past the state pension age could be paying unnecessary tax on their state pension, according to new research[1]. This is because they failed to take up the option of deferring their state pension until they stopped work. As a result, their entire state pension is being taxed, in some cases at 40%.
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libertas2019State pension

Making plans for your retirement

by libertas2019 on May 1, 2019 No comments

Tailored to match your particular needs and aspirations

One of the most important stages in life which everybody has to save for is retirement. We work hard to enjoy our current lifestyle but are we doing enough to ensure that we can continue to enjoy it in our retirement? Many of us live for today, but saving into a private pension plan can help us retire sooner rather than later.
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libertas2019Making plans for your retirement

Income protection insurance

by libertas2019 on May 1, 2019 No comments

Cover for you and your family finances

It’s important to be able to keep your finances healthy as you recover from an illness or injury. Being unable to work can quickly turn your world upside down. No one likes to think that something bad will happen to them, but if you couldn’t work due to a serious illness, how would you manage financially? Could you survive on savings or sick pay from work? If not, you may need some other way to keep paying the bills – and you might want to consider income protection insurance.
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libertas2019Income protection insurance

Whole-of-life insurance

by libertas2019 on May 1, 2019 No comments

Guaranteed tax-free payment whenever you die

Whole-of-life policies tend to offer the policyholder lifelong protection and are designed to give you a specified amount of cover for the whole of your life and pays out when you die.
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libertas2019Whole-of-life insurance

Bank of Mum and Dad

by libertas2019 on May 1, 2019 No comments

Innovative products to be created for would-be home owners

The Building Societies Association (BSA) have recently published a raft of recommendations as to how the mortgage industry can support the Bank of Mum and Dad in their endeavours to help first-time buyers onto the property ladder.
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libertas2019Bank of Mum and Dad

Preparing for your upcoming retirement

by libertas2019 on May 1, 2019 No comments

Considering the practicalities of fulfilling your desired lifestyle

If you are aiming to retire within the next five years, its time to get into the mindset of considering the practicalities of fulfilling your desired lifestyle and making plans.
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libertas2019Preparing for your upcoming retirement

New tax year

by libertas2019 on May 1, 2019 No comments

The key changes you need to know

You want to pay the minimum amount of tax legally possible. We want that for you, too. The 2019/20 tax year started on 6 April and in general taxpayers will have more money in their pocket after increases to allowances came into force, but there are a few losers, in particular those selling shares and buy-to-let landlords.
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libertas2019New tax year

Long-term care insurance

by libertas2019 on May 1, 2019 No comments

Meeting the cost of residential and nursing care in old age

Long-term care insurance provides the financial support you need if you have to pay for care assistance for yourself or a loved one. It involves a variety of services designed to meet a person’s health or personal care needs during a short or long period of time. These services help people live as independently and safely as possible when they can no longer perform everyday activities on their own.
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libertas2019Long-term care insurance