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Make a Will
I read a recent article in Financial Adviser which stated the Treasury received £14m in unclaimed inheritances. It is extremely important individuals make a valid will to ensure there estate is distributed according to wishes. There are currently over 11,000 unclaimed estates listed on Bona Vacantia, the governments free website directory which lists all unclaimed […]
Read MoreAuto Enrolment – Workplace Pensions
In preparation for automatic enrolment please consider the following links:- www.tpr.gov.uk/help-clients-prepare; www.tpr.gov.uk/ae-essential-guide; www.tpr.gov.uk/staging-date; www.tpr.gov.uk/planner; www.tpr.gov.uk/six-month; www.tpr.gov.uk/postponement; www.tpr.gov.uk/subcribe; www.tpr.gov.uk/research For a complete independent view and complimentary report call us now on 07811158419:-
Read MoreIslamic Investing
Islamic Investments must be certified by a panel or board who are experts in Sharia Law. A number of Islamic / Sharia funds are now on the market which will avoid:- Alcohol, weapons, tobacco, pork, financial services, gambling, pornography, leisure/media. In addition to the above, another screening process takes place based on the individual company, […]
Read MoreStamp Duty Changes
Stamp duty • Complete reform of residential property stamp duty so that rates fall only to that part of the property price within each band • 0% in first £125,000 • 2% on the portion up to £250,000 • 5% up to £925,000 • 10% up to £1.5m • 12% on anything above that, saving […]
Read MoreISA Changes Post Budget 2014
Savings • ISAs to be transferrable to partners tax free on death pre 75 (to being into line with taxation of pensions pre age 75) • ISA threshold increases from £15,000 to £15,240 next April
Read MoreIslamic Finance – Best Savings and ISA rates
A recent article from the December edition of Money Management detailed the best sharia compliant savings and investment rates as follows:- Best ISA rate is a 120 day notice account with a rate of 1.80% with Islamic Bank of Britain Best Bond rate is 2.30% for 24 months with Islamic Bank of Britain (source : […]
Read MoreSharia / Islamic Pension Solution for Schools and Charities
The Law requires ALL employers including ALL SCHOOLS and CHARITIES to provide a workplace pension for their employees! We are the first and largest provider of Sharia compliant independent advice in the UK. Our success is primarily based on the effective long term relationships we have with our clients and our open and honest approach. […]
Read MoreIslamic / Sharia compliant Auto Enrolment Workplace Pension
Is you are seeking an Auto Enrolment Workplace Pension solution for your Muslim workforce please contact us. We are the first providers of Sharia compliant pension and investment advisers in the country, with over a decades experience in this area. Being Independent Financial Advisers we are not tied to any bank or insurer; we can […]
Read MoreRemoval of Pensions Death Tax
The removal of the 55% death tax on pension will allow people with personal pension arrangements to continue passing pension savings through the generations. Anything that is going to save you tax is a good thing and it is strongly recommending people with substantial pots need to seek regular advice to ensure the people inheriting […]
Read MoreIslamic Pensions
Pensions are now more attractive than ever before for Muslims looking for a Shariah compliant alternative. In brief terms the changes mean that, from 6 April 2015 any individual (and not just a dependent) can inherit the unused pension funds on the death of the member, where those funds are used to provide a pension […]
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.
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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.
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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.
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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.
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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