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Investing July 2017Guide to Investing

Welcome to our Guide to Investing. Creating and maintaining the right investment strategy plays a vital role in securing your financial future. Whether you are looking to invest for income or growth, we can provide the quality advice, comprehensive investment solutions and ongoing service to help you achieve your financial goals.

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Long-Term Care 2017Guide to Long-Term Care

Rising life expectancy brings with it the challenge of how we fund our future care costs. The question is: who is responsible for looking after us if we need care in old age?

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Investing and Inflation 2017Guide to Investing and Inflation

Rising inflation is a concern to investors, as changes in inflation and interest rates affect various asset types in different ways. This is an especially important issue for retirees living on a fixed income.

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Retirement Planning 2017Guide to Retirement Planning

Welcome to our Guide to Retirement Planning. The pension freedoms rule changes mean that we'll be increasingly in charge of our pensions, both while we're building up our retirement pot and when we start to draw an income. It's therefore more important than ever to plan our retirement saving from an early age.

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LISA 2017Guide to LIFETIME ISA 2017

The start of the new tax year on 6 April 2017 saw the launch of the Lifetime ISA (LISA), which was announced in the 2016 Budget. This is a new type of Individual Savings Account (ISA) designed to help you save for a first home or for your retirement at the same time. To be eligible, you have to be aged between 18 and 39 years old (up until your 40th birthday).

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Brexit 2017Guide to Brexit 2017

Brexit has created an air of uncertainty, and no one really knows what's coming next or what it could all mean in the long term. On 29 March, Prime Minister Theresa May triggered Article 50 of the Lisbon Treaty in a letter to EU Council President Donald Tusk, starting two years of divorce proceedings..

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Year End Tax Planning2016/17 Year End Tax Planning

We provide suggestions for further consideration and discussion, enabling you to arrange your taxes, investments and wider financial affairs to reduce current and future tax liabilities. Please keep in mind that everyone�s tax situation is different. Before implementing any of the strategies discussed here, you should obtain professional advice.

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New Year Wealth PlanningNew Year Wealth Planning

Welcome to our Guide to New Year Wealth Planning. The start of a new year enables you to reassess and critique your financial plans and goals to ensure that you know where you are and where you should be. It means you can also put in place new strategies or update existing ones to achieve the outcomes you are expecting. It means you can work towards and meet deadlines and allocate sufficient time to completing these financial objectives.

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Active and Passive Investment ManagementA Guide To Wealth Management

Welcome to our Guide to Wealth Management. Our personalised approach is designed to help us understand your wider ambitions and objectives for your wealth, whether you want to generate an income that supports your lifestyle, family and retirement plans; need help to pass your wealth on to future generations; or fund your ambitions, from personal legacies to philanthropy.

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Active and Passive Investment ManagementA Guide To Professional Financial Advice

Few of us really have the time or inclination to understand the vast number of different investment products available on the market and consider what the best options are to suit our particular objectives. To do this effectively, it would need to become a full-time job.

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Active and Passive Investment ManagementA Guide To Investment Matters

Anything is possible when you manage your money the right way. Whatever your goals in life are, careful planning and successful investing of your wealth can help you get there. Investments can offer both risk and return, and generally the bigger the risk the greater the potential return.

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Active and Passive Investment ManagementProtecting Your Financial Plan

Welcome to our Guide to Protecting Your Financial Plan. The right professional financial advice can give you the freedom to live life on your terms, and key to this is safeguarding your financial security by making sure you have adequate protection in place to care for the people and things that matter.

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Active and Passive Investment ManagementA Guide To Lifetime Allowance

The Government has introduced comprehensive reforms to the pension rules over the previous few years. One important change, which may have been overlooked by some savers, is the reduction of the Lifetime Allowance that applies to pension savings. This further reduction means that you may be affected.

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Active and Passive Investment ManagementActive and Passive Investment Management

If you are looking to invest in shares or bonds, you may think about putting your money into one or more managed funds. Managed funds are pooled investments that contain different securities, so you reduce the risk of holding just a few individual shares or bonds.

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New Pension FreedomsGuide to Investment Plannning

Welcome to our Guide to Investment Planning. Money, of course, plays an important role in our lives. While it�s not everything, it can help you achieve your goals and gives you greater choices and freedoms. That�s why it�s important to increase our financial intelligence to learn how to build greater wealth.

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New Pension FreedomsGuide to Protecting You & Your Estate

Welcome to our Guide to Protecting You & Your Estate. Making sure that you�ve made plans for after you�re gone will give you peace of mind. It�s not nice to think about, but it means that your loved ones can carry out your wishes and be protected from Inheritance Tax (IHT).

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New Pension FreedomsGuide to Your Options At Retirement

Welcome to Your Options At Retirement. Whether you plan to retire fully, reduce your hours gradually or to carry on working for longer, you can now tailor when and how you use your pension � and when you stop saving into it � to fit with your particular retirement plans.

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New Pension FreedomsGuide to Retirement Plannning

Welcome to our Guide to Retirement Planning. Pension freedoms have transformed the pension landscape, giving more choice than ever before in shaping retirement plans to best meet our individual needs and circumstances.

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New Pension FreedomsGuide to The Lifetime Individual Savings Account

In the March 2016 Budget, the Chancellor announced major improvements to Individual Savings Accounts (ISAs) with the introduction of a new Lifetime Individual Savings Account (LISA) from April 2017, designed to help young people save flexibly for the long term throughout their lives. The aim is to help them simultaneously save for a first home and for their retirement without having to choose one over the other.

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New Pension FreedomsGuide to The Budget 2016

Chancellor of the Exchequer George Osborne delivered his eighth Budget speech on Wednesday 16 March, his third in 12 months. In our summary of the key announcements, we consider how they could impact on your finances today and in future years to come.

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New Pension FreedomsGuide to The New State Pension

The State Pension changed on 6 April 2016. If you reached State Pension age on or after that date, you�ll now receive the new State Pension under the new rules. The aim of the new State Pension is to make it simpler to understand, but there are some complicated changeover arrangements which you need to know about if you�ve already made contributions under the previous system.

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New Pension FreedomsGuide to Investing 2016

Successful long-term wealth creation requires the right balance between shares, bonds and other investments. In Guide to Investing in 2016, we consider a number of different solutions available to you, and each section explains the basic facts. There are a number of factors you should consider before deciding on what kind of approach is most suitable for you. These include the purpose of the investment, the length of time your money can be tied up for and your attitude to risk.

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New Pension FreedomsGuide to 2015/2016 Tax Planning

Tax is a highly sensitive subject for most individuals. In this guide, we consider a number of tax planning and wealth strategies. The start of a New Year is the perfect time to take stock and think about how you can improve your financial position and ultimately structure your affairs so that you don�t have to pay more tax than you legally have to, especially as we�re in the run-up to the tax year end on 5 April 2016.

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New Pension FreedomsGuide to The Spending Review and Autumn Statment 2015

On Wednesday 25 November 2015, Chancellor George Osborne presented his Spending Review which set out what government spending will be over the next four years, while the Autumn Statement updated his plans for the economy. Compared to the summer Budget 2015, the Office for Budget Responsibility now forecasts higher tax receipts and lower debt interest, with a �27 billion improvement in the public finances.

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New Pension FreedomsGuide to New Pension Freedoms

Whether you�re saving for old age, about to retire or already have, you need to give your pension some attention following the announcement of the new pension freedom reforms. Perhaps most important of all were the changes announced in the 2014 Budget, which mean many more will now be able to retire and withdraw money from their pension without buying an annuity.

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Wealth GoalsGuide to Wealth Goals

Reaching wealth goals and achieving personal ambitions are major objectives of the financial planning process. In order to make plans for the future, you need to know where you are today and where you want to be in the future.

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Diverse Investment PortfolioGuide to Creating A Diverse Investment Portfolio

Welcome to our Guide to Creating a Diverse Investment Portfolio. �Don�t put all your eggs in the same basket� is probably the best known proverb advising investors about the importance of portfolio diversification to spread and reduce risk.

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Inheritance Tax PlanningGuide to Inheritance Tax Planning

Welcome to our Guide to Inheritance Tax Planning. Few taxes are quite as emotive – or as politicised – as Inheritance Tax (IHT). The structures into which you transfer your assets can have lasting consequences for you and your family. We can help you choose structures and trusts designed to protect your assets and give your family lasting benefits.

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Budget 2015Guide to the Budget 2015

In his final Budget before May’s general election, the Chancellor of the Exchequer, George Osborne, announced tax cuts for first-time buyers, workers and savers, and claimed Britain was ‘walking tall again’ after five years of austerity. In our Budget 2015 Summary, we have provided information about the key announcements but primarily look at the main areas around financial planning.

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New Individual Savings Accounts 2015A guide to New Individual Savings Accounts

The NISA way to grow your tax-efficient wealth.

If you are keen to take advantage of the New Individual Savings Account (NISA) allowance, increased to £15,000, and make the most of your tax-efficient savings, the time is running out. You only have until 5 April to fully utilize your 2014/2015 NISA allowance, after which it will be lost forever.

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Pensions Consolidation 2015A guide to Pension Consolidation

Bringing all of your separate pension plans together into one single pension pot.

Few of us today remain in the same career throughout our working lives. The result is that many people may have a number of different pension pots from previous employers. However, combining them into one single pension could make real financial sense.

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New Pensions Freedom 2015A guide to New Pensions Freedom

Giving people more confidence to save into a pension.

Welcome to our Guide to New Pensions Freedom. The Government’s flagship pensions freedom policy comes into force on 6 April 2015 and will give far greater flexibility over what someone can do with their pension. The new rules should give people more confidence to save into a pension because they will retain much more control over their money.

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Auto Enrollment 2014A guide to Asset Allocation

Balancing risk and return by apportioning your portfolio's assets through different life stages.

The aim of this guide is to give a brief outline of asset allocation, an investment strategy that attempts to balance risk versus return by adjusting the percentage of each asset in an investment portfolio according to the investor's risk tolerance, objectives and investment time frame.

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Auto Enrollment 2014A guide to Inheritance Tax

Effective solutions designed to protect your assets and give your family lasting benefits in an uncertain world.

Inheritance Tax (IHT) in the UK may be one of life's unpleasant facts, but with the appropriate IHT planning and professional advice, we could help you pay less tax on your estate. The aim of this guide is to provide a brief outline of IHT, a subject that was once something that only affected very wealthy people.

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Paul Duckworth Independent Financial Adviser is an appointed representative of TenetConnect Services Ltd, which is authorised and regulated by the Financial Conduct Authority. TenetConnect Services Ltd is entered on the Financial Conduct Authority register (www.fca.org.uk/register)under reference 150643

Principal: Paul Duckworth
The information contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.

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