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Pension v ISA
With George Osborne’s Budget now allowing full access to pension savings from age 55, pensions are now more attractive than ever before.
Any contribution up to 100% of earning or £3600 if higher, attracts tax relief at the highest marginal rate of income tax payable in that year.
With an ISA no tax relief is given but the capital taken is tax free; therefore if access is required before age 55 then an ISA should be used.
Pensions are the most tax efficient savings vehicle and should be considered as the first port of call for retirement savings.
For specific recommendations as to what is best suited to your individual needs please call us on 01772 700 008.
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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
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