Your information is 100% private and will never be sold or shared.
Blog
Auto Enrolment Workplace Pensions – Fast Setup
The auto-enrolment process is highly complex. Firms will need to implement a scheme by a particular date, called their “staging date” which is determined by their payroll size in 2012. To do this, you need to assess which employees will need to be enrolled in the scheme and this is based on employees’ ages, wages […]
Read MoreInheritance Tax Solutions
Inheritance Tax of £170 000 each was payable in the year 2012-13 by estates according to HM Revenue and Customs. This is a 15% increase to the previous 12 months. You work so hard throughout your lifetime the last thing you want is for your beneficiaries to pay a potential 40% tax charge on your […]
Read MoreSharia Compliant Pension and Investments
For a number of years we have offered clients the ability to invest in a Sharia compliant manner. In addition to a number of Sharia compliant funds already mentioned in previous posts such as HSBC Amanah, Aberdeen Global Islamic Equity for now have funds specifically for the emerging market. A lot of Analyst are indicating […]
Read MoreAuto Enrolment Workplace Pension Questions Answered
We have set-up numerous auto enrolment workplace pension for all types of business over the past 18 months and the following are questions regularly asked:- Who qualifies? An employee will be automatically enrolled into the pension scheme if:- are age at least 22 are under state retirement age earn more than £10K work predominately in […]
Read MoreAuto Enrolment Workplace Pension Free Presentation
It is now a legal requirement for ALL employers to auto-enrol employees into workplace pension schemes. If you start date is fast approach and we are presently offering to deliver a free presentation to your staff which will aim to educate you on the proposed changes. Areas to be covered are:- • What does Auto […]
Read MorePension options for divorcing couples
There are a three options when couples divorce, divorce settlement, earmarking, offsetting or sharing; I have explained them in detail below:- PENSION SHARING With Pension sharing a court order is issued splitting the members pension by a specific percentage. This then creates potential future pension debit on the members pension benefits. OFFSETTING This is the […]
Read MoreWhat is the tax payable if I take my entire personal pension as a lump sum?
Only 25% of your pension fund is tax free (pension commencement lump sum); the remaining is taxable and subject to income tax. For your information, the emergency tax code we will use for 2015/16 is 1060L on a month 1 basis. Code 1060L month 1 taxes individual payments at the following rates: On the first […]
Read MorePension Freedom & Choice
The Chancellors budget on 19 March 2014 paved the way for change in the way people accessed their pension savings. At retirement you can now decide how much you want from your pension fund in a particular tax year. You may take all your 25% Pension Commencement Lump Sum and designate the rest of the […]
Read MoreRegulator starts to fine companies who fail to comply with Auto Enrolment Workplace Pension.
The Pensions Regulator has sent out 198 foxed penalty notices to employers for the first quarter of this year. Small to medium size businesses are now either implementing or getting their initial contact letter from the Pensions Regulator. It is the duty of the employer to initial register with the Pensions Regulator and begin the […]
Read MoreSuitable Fund for a Sharia / Islamic Investment and Pension
Most Sharia / Islamic investment and pensions will consists in the main of stocks and shares based funds. Over the past view months the stock market has broken previous records and been extremely buoyant for investors. However with the increased likelihood of a hung parliament comes uncertainty for financial markets – and as a result […]
Read MoreComplementary Financial Advice Guides
Auto Enrolment Pensions
Auto-enrolment aims to increase the level of retirement saving though the workplace and affects every employer in the UK. This guide tells you how all employers including micro businesses can prepare for compulsory pension auto-enrolment. Sign up now to receive information about our paid services and receive this bonus guide today.
Get The Guide
Guide to ISAs
2014-15
Our complimentary guide to ISAs 2014-15. In this guide we discuss individual savings accounts and how to make the most of your annual tax year allowance. We cover questions such as 'What is an ISA?' and 'What should I look for in a cash ISA?' Sign up now to receive information about our paid services and receive this bonus guide today.
Get The Guide
Planning For Retirement
Despite all of the recent changes, pensions still represent one of the most tax-efficient ways for most people to save for retirement. The aim of our retirement guide, therefore, is to help you understand the options that are available to you. Sign up now to receive information about our paid services and receive this bonus guide today.
Get The Guide
Successful Investment
Successful long-term investment is not just about buying low and selling high – although that is always a good principle to bear in mind. Go back to basics– markets may rise and fall but the rules of sensible investment remain constant. Sign up now to receive information about our paid services and receive this bonus guide today.
Get The Guide
Testimonials
"We have used the services of Sage Financial Management for the past year and we have found them to be extremely professional in their approach. The advice and guidance that we receive is honest, professional and reliable. They are always ready to find the time to meet with you and explain matters in full, in a manner that is appropriate. I will have no doubt in recommending them to friends and family."
Dr Baki, Delta Care Limited, Preston"Sage Financial Management has certainly been very helpful to me and my company. With issues such investments and pension planning I have reaped a lot sound and impartial advice. The advisers are always flexible on meeting arrangements to suit my busy schedule, and advice is in a simple language so it does not take me too long to analyse."
I Ahmed, Eye Care Optical, Director, Nationwide"Sage Financial Management provides an effective service that is tailored to the individuals needs. The service is performed in a professional, no-pressure manner. I have no hesitation in recommending them."
W Yasin, Riley Moss Chartered Accountants, Preston