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Pensions & Investments
- Planning for retirement
- Investment management
- Taking pension benefits
- Pension sharing on divorce
BlueSKY will help guide you through the most effective way of investing for retirement and beyond. One of our partners is an accredited member of Resolution and a specialist in financial matters on divorce.
Professional
Our expert view, circulated to solicitors, advisers and anyone with an interest in financial matters
Separation can be the start of financial woes
September 4th 2011
This article from The Independent on Sunday features divorce finance specialist Mark Penston of Blue Sky Independent Financial Advisers in Reading.
Junior ISAs
Aug 2011
Investment views; pension death benefits.
Dilnot Report Discussion
Jul 2011
Report from the commission on the Funding of Adult Care
The Bank of England: Holding their nerve or losing the plot?
Jun 2011
2 and 3 year fixed rates at record lows; 5 year fixed rates below 4%
New Pension Rules
Apr 2011
Summary of new pension rules; Flexible Drawdown; abolition of compulsory annuities.
EU decision on Gender
Mar 2011
When do the changes come into force? Life cover; retirement planning.
Base Rates - What's the Deal?
Feb 2011
Interest rates to hit 2.75% by 2012; UK inflation climbs to 4%
Investing in 2011
Jan 2011
Optimist or Pessimist? Valuations; taxation; Venture Capital Trusts
Controlling Trust Access Beyond Age 18
Dec 2010
Post Finance Act 2006; Specialist investment product.
Changes in Pension Legislation
Nov 2010
New pension tax rules; Good news for most; 2010/2011 Planning: Special Allowance Charge.
The Panoramic View
Oct 2010
"Who's Taken My Pension?" Clever ways to save for retirement; Salary sacrifice.
Equity Release Issues
Sep 2010
Uses of equity release; an example of IHT planning; types of plan; rates of interest.
Mortgages: Are We Turning the Corner?
Aug 2010
Is the future brighter?; regulation; underwriting and affordability.
The Emergency Budget
Jul 2010
The main points; restrictions to higher rate tax relief on pension contributions; tax efficient investments
The Investment Dilemma
Jun 2010
What to do next?; traditional asset allocation models; international markets; property.
Mortgages - A time to reflect
May 2010
Are we taking advantage of low rates? What happens when I apply? Types of mortgages
The Budget and General Election
Apr 2010
New 'additional' rate of tax; inheritance tax; capital gains tax; personal pensions tax relief; change to personbal allowance; stamp duty allowance; national insurance contributions.
Crisis, What Crisis?
Mar 2010
The failing UK pension system; company pension schemes; personal pension schemes; state pension.
Year End Tax Planning For Individuals
Feb 2010
Income tax planning; independent taxation planning; utilising tax exemptions and allowances; tax efficient investment planning.
Demographics - What Does the Future Hold?
Dec 2009
Solutions need to be found - what can be done?
So what will I retire on?
Nov 2009
Changing demographics; it's not getting any better; tax efficient structures.
Business Property Relief
Oct 2009
Is business property relief (BPR) the best method of IHT planning?; BPR in new and existing trusts
Family Income Benefit
Sep 2009
There's more to your family's life than the family home; low cost family protection; regular tax free income payments.
Divorce and Your Pension
by Reading pension adviser and family dispute specialist Mark Penston,
Matrimonial Matters 2010
inc. At last! Bespoke protection for maintenance payments!; and RPI to CPI Changes and delays to transfer values
Matrimonial Matters 2009
inc. Pension vs Cash: How to 'trade' money in a pension fund for money outside a pension fund; Changes to public
sector pension schemes; Getting Tax-Free cash while you can; Protecting maintenance payments; Dealing with
contracted out benefits and Cross gender annuities
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