Resources

Looking for more information? Look at our resources library for a range of factsheets, guides and videos.


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Managing investing risk during turbulent markets.

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Money purchase annual allowance - Reduction to prevent inappropriate double tax relief

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Further pensions freedom plans extended to secondary market.

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Wanting to build a diversified portfolio? Understand the different factors to consider when putting together an investment portfolio

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Over 5.4 million individuals have already been auto-enrolled into a pension, and the number of opt-outs from automatic enrolment have been low, making the current amount of people who are saving for their retirement the highest since 1997.

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What the Chancellor had to say in his Autumn 2015 Spending Review.

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Autumn Statement 2016 - What the Chancellor had to say

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Download our Autumn Statement Overview

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Planning for life beyond work - Varying income needs and goals throughout our lives

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George Osborne’s Budget speech was delivered on Wednesday March 16th. More than ever, the Chancellor was seeking to balance politics and economics as he rose to speak.

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Have you assessed the impact of Budget 2016 on your financial plans?

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At some point in the life of an owner-manager, it will be time to sell your business. How you prepare for that moment could shape the rest of your life...

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Buy-to-let landlords and people buying second homes will soon have to pay more in stamp duty, Chancellor George Osborne has announced higher stamp duty to be payable from April 2016.

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Chancellor George Osborne has changed the date on which property owners must pay their tax.

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Explaining the benefits of Care Planning to clients can be difficult, but our short video should help you to communicate the basics and emphasise Care Planning’s importance in your client’s wider financial plan.

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Bringing all your pension investments in to one, easy to manage wrapper.

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Creating the life you want - Managing your money the right way

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Are you protected should serious illness strike?

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Taking control over where your money is invested tax-efficiently.

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Holding a blend of assets to help you navigate the volatility of market.

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Download the overview and benefits of the Dynamic Cash Management service

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Equity release is a way of releasing the wealth tied up in your property without having to sell it and move to another home.  You can either borrow against the value of your home or sell all or part of it in exchange for a lump sum or a regular monthly income.  Some plans give you the option to “draw down” further equity (cash) at a later date, based on your requirements.

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The facts surrounding equity release

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Telling ‘white lies’ about our money and salary.

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Have you considered all the potential costs of retiring? Some people find their expenses fall once their working life ends, but it’s important not that assume that all your expenses will go down – some may increase, such as heating and leisure costs.

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Funding a post-work life will be difficult without sufficient planning.

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Half of women (52%) are now saving adequately for their retirement compared to 60% of men, according to the latest Scottish Widows Women & Retirement Report. But while this maintains the record high levels achieved in 2015, the gap between men and women has widened since 2014 when 50% of women were saving adequately compared with 55% of men.

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Sorting out finances high on most people’s list.

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25% boost for those saving towards a deposit to buy their first home.

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Presented by Chancellor George Osborne on Wednesday 25 November 2015, the Spending Review sets out what government spending will be over the next four years, while the Autumn Statement is an annual update of government plans for the economy.

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Choosing a mortgage is one of the biggest financial decisions you’re likely to make. There are thousands of mortgage deals out there, so how do you choose the right one for you?

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Providing the foundation for an exciting new chapter in your life.

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How would you pay the bills if you were sick or injured and couldn’t work?

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The Chancellor raised the Income Tax Personal Allowance once more above the expected rate of inflation, with a further increase announced to £10,800 in 2016/17 and £11,000 in 2017/18.

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Rules change for savers withdrawing tax-efficient money.

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Lifetime Individual Savings Accounts - Saving flexibly for a first home and retirement Lifetime Individual Savings Accounts are being launched by the Government to help 18–40-year-olds to save and invest flexibly for the long term.The aim is that people will not have to choose between saving for their first home and retirement.

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When was the last time you revisited your investment goals?

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Inheritance Tax (IHT) affects not just the very rich – other people may be liable without realising it. Few taxes are quite as emotive – or as politicised – as IHT.

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Gale and Phillipson is an independent whole-of-market firm. This means, when we give financial and investment advice, we consider all the options open to you – not just a favoured few. This document gives a brief introduction to these services.

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Many investors are now facing new challenges at every turn. So what can you do to manage your investments in current markets?

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2017 investment outlook - Taking advantage of the right opportunities
After a game-changing 2016, the investment environment was not only mixed but characterised by uneven global growth and political events such as Brexit and the US elections.

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Designing a custom investment portfolio

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Britons not planning financially for long-term sickness

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The remainder of 2016 is certainly going to be a busy one, with April seeing a raft of changes announced previously – affecting pensions and savings – coming into effect. Below we’ve provided some of the key dates that could impact on your financial plans both this year and beyond.

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Life insurance - Providing a financial safety net for your loved ones

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Sharing out your estate.

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Why having a target in mind clearly makes a difference to fund this stage of your life.

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Baby boomers are some of the least prepared for retirement.

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Turbulence in the economy has left many feeling confused.

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Reduction to prevent inappropriate double tax relief

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Planning financially for long-term sickness

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Year-on-year rise in the number of long-term savers.

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From April 2016, the notional 10% tax credit on dividends is to be abolished and will be replaced by a new tax-free Dividend Allowance. What could the new system mean to you?

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A NISA way to grow your tax-efficient wealth.

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Harnessing the simplicity and popularity of the ISA wrapper.

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Make 2016 a year of real financial achievement.

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Setting goals for retirement.

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Pensions have been transformed by the arrival of freedom reforms on 6 April 2015 which now give far greater flexibility over what you can do with your pension pot. The new freedoms mean you can enjoy far greater choice on how you spend and generate an income from your pensions, but with further changes on the horizon these are some of the key changes you need to know.

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Consolidating your pension pots - What you need to consider to ensure you don’t lose out

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There’s now more scope than ever to arrange your finances the way you want them.

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How the lifetime allowance reduction could impact on your retirement savings

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New tapered annual allowance for high earners.

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People who go abroad for over a month will no longer be eligible for pensioners’ credit. At present, housing benefit and pension credit recipients can go abroad for up to 13 weeks while continuing to receive payouts.

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How to protect your financial position during a divorce.

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Accessing your pension safely, without unnecessary costs and a potential tax bill.

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Reduction announced from April 2016 to £1m.

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Taking over 90% of taxpayers out of paying tax on interest from savings.

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The death of a close family member or friend is always a traumatic time for those left behind. It is often made more difficult for those relatives or friends who have been asked to be executors and to deal with the estate, because they often have difficulty in finding key documents and other important information that belonged to the deceased. Use this useful tool to document what you own and where it is kept.

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Looking forward to a secure and financially independent retirement.

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It goes without saying that everyone should take some time to review their portfolios every once in a while. The only constant in life is change – and chances are your life has changed since you last reviewed your investment portfolio. BEST-

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This is our report on the result of the UK’s Referendum on continuing EU membership and its likely consequences. It’s our attempt to give you an overview of how things currently stand following the victory for Leave.

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It’s natural to be looking for ways to smooth out your portfolio’s returns. Investing regularly can smooth out market highs and lows over time. In a fluctuating market, a strategy known as ‘pound-cost averaging’ can help smooth out the effect of market changes on the value of your investment and is one way to achieve some peace of mind through this simple, time-tested method for controlling risk over time.

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Lasting Power of Attorney - Numbers registering more than trebles in five years
More than two million Lasting Power of Attorney (LPA) registrations will have been filed by the end of 2016, with the number of appointments more than trebling between 2010 and 2015.

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Time is ticking away to make smart year-end retirement planning decisions. It’s common knowledge that increasing our retirement savings will better prepare us for retirement. But in addition to saving for retirement, it’s also important to maximise on other ways to improve our retirement finances in 2016 and beyond. We’ve provided some year-end retirement planning tips that, if appropriate to your particular situation, you may want to investigate further.

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Why planning for your future retirement requires answers.

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New Inheritance Tax rules apply from 6 April 2017.

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The numbers show a significant protection gap exists for families in the UK.

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5 tips to help you be more confident about your financial future.

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Understanding why your lifestyle makes it more relevant and real.
From the old adage of saving for a rainy day to planning for a comfortable retirement, before you can actually define your investing goals you need to ask yourself what you want to achieve.

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Move towards new online digital tax account.

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A self-invested personal pension (SIPP) is a pension ‘wrapper’ that holds investments until you retire and start to draw a retirement income. It is a type of personal pension and works in a similar way to a standard personal pension. The main difference is that with a SIPP, you have greater flexibility with the investments you can choose.

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The new stamp duty took effect on 1 April 2016. For those buyers funding purchasing a new home with the sale of an existing home, if their buyer pulls out but they still want to go ahead - perhaps by using a bridging loan - they will be liable for the stamp duty surcharge because they will technically own two residential properties at completion.

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Sustainable investing has gathered momentum across the world in the past decade as investors look for financial returns while helping to achieve a positive impact on the world around them.

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Taxes, as we know, are one of the two great inevitables in life. As the UK tax system continues to grow ever more complex, and with more responsibility being placed on the individual to get their own tax right, ensuring that you receive the best professional advice to optimise your tax position is paramount.

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By understanding which investments are the most tax-efficient, you can make the most of your options to minimise how much tax you pay. As well as deciding what to invest in, you need to think about how you’re going to hold your investments. Choosing tax-efficient investments will often mean you’re able to keep a higher proportion of any returns you make.

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Start thinking about preparing for any big events as soon as you can.
None of us know exactly what life’s got in store for us, but we know that there are a handful of major events that we’re quite likely to encounter at some stage.

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Further alterations to the rules on the plans, which invest in small, private up-and-coming companies.

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Reaching wealth goals and achieving personal ambitions are major objectives of the financial planning process. In order to make plans for the future, you need to know where you are today and where you want to be in the future.

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Make the most of your investment opportunities by building a consistent, long-term and well-diversified investment strategy.

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When you retire, you get to focus more of your time and energy on the things you enjoy the most. And like every other stage of life, a little bit of preparation can go a very long way.

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Who will care for you in old age? Making provision in a way that meets your needs and wishes

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Savers positive about pension reforms but concerned about scams.

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You could soon have a pension without asking for one!

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2016/17 Year End Planning - Keeping your taxes as low as possible – what you may wish to consider sooner rather than later
The 2016/17 year end for tax planning purposes is now only a matter of months away, with the deadline approaching on 5 April. Effective tax planning is about knowing the personal and business taxes you are liable to pay and acting to legally minimise them. It is also about maximising your net income and creating opportunities to invest and save tax-efficiently for the current and future needs of your business, your family and yourself.


Privacy Statement

Gale and Phillipson Ltd and its subsidiaries Gale & Phillipson (Life & Pensions) Ltd and Gale & Phillipson (Financial Management) Ltd are authorised and regulated by the Financial Conduct Authority (FCA 431387, 142752 and 195080) and all trade under the name Gale and Phillipson. Registered in England and Wales, numbers 05409822, 03751076 and 02232959. Registered office: Gallowfields House, Fairfield Way, Richmond, DL10 4TB.