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Business Protection
http://www.rosedalefm.com/Protection/Business_Protection
What are your duties? When do you need to act? Keyperson / Shareholder / Partnership Protection. If a shareholder were to pass away, the firms remaining shareholders or directors may want to purchase the deceased’s shares from their estate promptly to maintain control of their business. The same scenario also applies to partners in a firm. Rosedale Financial Management is Authorised and Regulated by the Financial Conduct Authority. Financial Services Register Number 473931.
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Personal Pensions
http://www.rosedalefm.com/Pensions/Personal_Pensions_1
What are your duties? When do you need to act? Personal and Stakeholder Pensions. Personal Pensions represent a popular and attractive way of saving for your retirement. All monies invested into your fund grow free of capital gains tax, and the contributions you make are enhanced by income tax relief at source. For example if you invest £80, the government adds on tax relief (currently 20%) to enhance your contribution to £100! Stakeholder pensions are similar to personal pensions but have their charges ...
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Auto-Enrolment Lowering Costs
http://www.rosedalefm.com/Auto-Enrolment/Lowering_costs_1_1
What are your duties? When do you need to act? Salary sacrifice (or exchange). This is a government-approved process that's been used by many large employers. In short, by reducing the employee’s salary by the amount of their pension contribution, national insurance contributions aren't payable on the amount of salary given up or ‘exchanged’. Both you and your employees are better off as a result. Take a look at how much you could save:. Annual Employer Pension Cost Savings. The guidance and or advice co...
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Savings and Investments
http://www.rosedalefm.com/Savings_and_Investments/Savings
What are your duties? When do you need to act? Why are we encouraged to save money? From childhood most of us are told to put away money to save for the future - perhaps for something special? Or perhaps to be sure that when we really need something we have the funds to acquire it, without taking on debt? We will be able to explain risk in more detail. Contact your financial adviser before making any decisions. Partners: Ashley J Hewitt and Claire L Hewitt. 2016 Rosedale Financial Management. The guidanc...
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Auto-Enrolment What are your duties?
http://www.rosedalefm.com/Auto-Enrolment/What_are_your_duties_1
What are your duties? When do you need to act? What are your duties? The Pensions Regulator has published over 250 pages of notes to help employers comply with their new responsibilities, which in essence breaks down into 33 new pension responsibilities for each employer! To make life a little easier, we have broken them down into 5 main areas – here is an overview of your main duties:. You may think everyone should be included in auto-enrolment, but it’s not that simple. O Employees can opt-out. There h...
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Cash Savings Calculator
http://www.rosedalefm.com/Cash_Savings_Calculator
What are your duties? When do you need to act? Select the type of savings accounts you wish to review. Please select your account type. Enter the total amount you hold on deposit. Enter the rate of interest you currently receive and Click `Go`. View your existing return. Click ‘Calculate Your Return’ to find out how much you could be earning from a properly managed portfolio. This portfolio has money held over 2 years, which means;. 1 It will not need reviewing after 12 months. Ndash; An extension of the...
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Independent Advice
http://www.rosedalefm.com/Independent_Advice/IndependentAdvice
What are your duties? When do you need to act? What is Independent Advice? Independent advice is not the only option available. If you go to your high street bank you may be greeted by a financial adviser, but they could well be ‘tied’ to recommending and promoting the products of the bank, or a single insurance/investment company to which the bank has an allegiance. So why do we need independent advisers, and how can customers be sure they are getting a fair deal? The Financial Conduct Authority (FCA).
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Workplace Pensions
http://www.rosedalefm.com/Pensions/Company_Pensions_1
What are your duties? When do you need to act? Workplace Pensions (Auto Enrolment). Many companies offer a pension scheme to their employees. There are numerous different types available and usually the company will put some money into your pension if you decide to join. It is important that you take into account your existing pension provision or that from your previous employer before making any decisions. What do the changes mean for employers? Who needs to be automatically enrolled? Who can opt in?
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Retirement Income Options
http://www.rosedalefm.com/Pensions/Retirement_Income_Options_1
What are your duties? When do you need to act? Your Options At Retirement. From age 55, there are a number of options available to you including:-. Draw your benefits available from the existing provider. Purchase an annuity with a different provider on the Open Market. This could potentially increase the payments to you. Move to Flexi-access Drawdown (or Third Way Plan). Use the Uncrystallised Fund Pension Lump Sum (UFPLS) rules. Move to Phased retirement. Move to a combination of the above. You are abl...
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Life Protection Options
http://www.rosedalefm.com/Protection/Life_Protection
What are your duties? When do you need to act? There are several ways in which to protect yourself and your family in the event of an untimely death. Most people take out life assurance to provide for their families and alleviate any financial worries at a difficult time. Works the same as term assurance but instead of paying a lump sum upon death, it will usually pay a regular monthly/annual tax free income in the event of death to your dependants up until the end of the term of the policy. The guidance...