Are you concerned about achieving your financial goals?
Maybe you are concerned about how you are going retire with enough money to live on
And maybe you are worried that the investments you have are not working properly for you
The focus of good financial advice is about you
The goals you have
When you want to achieve them by
And how are you going to get there
As Financial Advisers, we will help you achieve financial freedom and the future you desire for you and your family
Imagine how you would feel if you achieve Financial Freedom
How would you feel if you had a plan in place for a worry and stress free retirement
And how great would it be if your investments were the right ones for you
Book a consultation with us today to discuss how we can help you on your road to financial freedom.
Being a client of Martin Dodd has made all the difference to our pensions. We now have a very clear understanding of how our pension funds are performing through regular quarterly reviews. I am more confident that with Martin’s help we will build up substantial pension funds for retirement.Chris Cox
I chose Martin over a number of other IFA’s I had been introduced to. To date I have received solid, consistent and certainly independent advice. Martin has performed over and above my expectations, taking on situations outside the scope of my initial investments with him.Tim Holiday
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Recent Blog Posts
As you are probably aware, when someone dies and leaves a valid Will, the executor is usually appointed to deal with the deceased person’s estate – dealing with the distribution of their money, property and possessions etc. However, before the estate can be distributed, the executor must apply for a ‘grant of probate’. This means the executor is then legally allowed to distribute assets from the estate as outlined in the Will. Without probate being granted, the executor has no authority over bank accounts, mortgages or other financial matters and certainly cannot distribute any assets held within the deceased person’s estate. This I am sure we all know already.
David Cameron famously once said he wanted the Inheritance Tax nil rate band for a couple to be £1 million. Despite not being the Prime Minister any longer, he is finally getting his wish and it is about to start happening with effect from the 6th April 2017,with the introduction of the NEW Residential Nil Rate Band (RNRB).
Canada Life have recently published their IHT Survey for 2016 and it makes for some very interesting reading.
Only a 25% of wealthy Brits have sought professional estate planning advice to ensure their families don’t pay more tax than they have to.
Over 25% don’t have a will and just 1 in 5 have given money away.
Many say they do not need these tools but families would face substantial inheritance tax (IHT) bills without any planning.
You may have read recently that HMRC’s are upping the battle against tax evasion and avoidance introducing new penalties against ‘enablers’ of unacceptable tax avoidance schemes. Entirely understandable as the country faces continued funding issues in the public sector.
The tax year end is fast approaching. So, what should we be thinking about before we’re quickly onto the next one?
It’s only a few months away and the year end on the 5th April will soon be here. It might feel at the moment as though there’s plenty of time until the beginning of April, but ensuring you make use of the remaining months before they disappear is always a good idea. Here are our top six tips for ways to make the most of this tax year whilst you can.
For the last three tax year’s the maximum amount that could be invested into a pension each year has been set at £40,000 (called the Annual Allowance). However, if you are a higher earner, the amount that can be invested in this tax year that will benefit from tax relief has been a change. Furthermore, many people and many financial advisers have not picked up on this yet. They may be in for a nasty shock and find they have a tax liability that needs to be settled.