Independent Wealth Management

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The Retiring Population

This year, more people than ever are reaching age 65 in the UK. In fact, forecasts have predicted that over 800,000 people are reaching this milestone during 2012. The reason of course is due to the post war baby boom. At Professional Wealthcare, we’ve noticed a significant increase in the amount of enquiries we’re receiving from people approaching retirement and we expect this trend to continue.

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Decreasing Term Assurance – Think Again.

If you have a repayment mortgage, it is quite likely that you protected your mortgage with a decreasing term assurance policy.

This type of plan provides protection over the term of your mortgage, with the level of cover reducing in line with your decreasing mortgage liability.

The advantage of decreasing cover, as opposed to level cover, is simply that the cost is lower.

However, this approach could turn out to be a bit short sighted and not necessarily the best type of plan for you, so please read on.

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Put Life Cover On Expenses

Are you a Company owner? If so, Relevant Life cover can work out much cheaper than a typical life assurance policy for you or your employees. In most cases the premiums are treated as an allowable business expense by HMRC which means that companies qualify for Corporation Tax relief. Furthermore, there is no additional Income Tax or National Insurance to pay either.

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PruFund – Risk Managed Funds

When choosing how to invest your money, the choices are huge. There are literally thousands of funds available to you, investing in different geographical areas and asset types.

Many people I meet require a managed fund. They want the security of knowing that an’ expert’ is looking after their money and making all the day to day decisions. Managed funds have been around for many years. Increasingly, these days they tend to be risk rated, enabling an investor to be matched with a suitable fund. In recent years, there has been much innovation in this area. A good example of this is the Prudential’s PruFund, which was launched on 25th November 2004.

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Do you have a Back-Up Plan?

You may have seen the adverts on national television for Unum Income Protection.

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Do you qualify for an enhanced annuity?

Do you know that if you are a smoker or have a medical condition such as diabetes, high blood pressure, heart disease or cancer, then you could receive a higher retirement income?

Depending on your medical situation, an enhanced annuity could give you up to 40% higher income than a standard annuity, guaranteed for life.

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The importance of tax relief

When discussing retirement planning with our clients, a great deal of attention is always given to fund choice and the corresponding past performance figures.

However, it is important to remember one of the fundamental reasons why pensions should be the investment of choice for retirement planning.

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When it comes to insurance, isn’t it time you put yourself first?

Just think about all the things you insure as a matter of course.

For instance, more people have pet insurance than health insurance.

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How far would you get on £81.60 a week?

Unfortunately, you’d soon find out if you became too ill to work. You might be surprised to find that Statutory Sick Pay is only £81.60 a week.  These days, that’s just about enough to fill up the average family car.

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Cappuccino, americano, skinny latte, espresso or £40000 of cover?

Before you know where you are the odd little treat, like your favourite coffee, can soon become a daily routine.  Read more.

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Blog Categories

Pensions

Planning for retirement, your options, review your plans...

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Investments

Investing your capital for tax efficient growth or income...

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Protection

Protect your family, life assurance, critical illness, income protection...

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I would like to say that, for me, Professional Wealthcare has consistently delivered an excellent service. I have known Barry for a few years now and he is always there to answer a query, give advice or act upon new instructions without hesitation or delay; and nothing is too much trouble. Always the professional, he is extremely knowledgeable, but he also knows how to present information clearly and concisely. Barry’s honesty, integrity and downright cheerfulness make it a joy, rather than a chore, to discuss financial arrangements. I waste no time in recommending Professional Wealthcare to anyone who wants a quality service from someone who is outstanding in their field.

Lacey Callanan

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