Yearly Archives: 2012

Retail Distribution Review (RDR): Theory vs Reality

December 17th, 2012|Investments|

The 1st January 2013 sees the dawning of a fresh new age in UK financial services.  The slate will be wiped clean with the introduction of the Retail Distribution Review (RDR) and the world will be a better place. [...]

Combating Rising Energy Prices

November 29th, 2012|Business Advice|

With the governments energy bill published last week pushing their support of renewable energy further, it looks certain that energy bills for commercial and home use will continue to rise significantly through increases in unit costs and carbon taxes such [...]

Offshore Bonds: A Tax Efficient Wrapper

November 29th, 2012|Investments|

Offshore bonds, in technical terms, are non-qualifying whole of life insurance policies. In practical terms, a tax efficient ‘wrapper’. Offshore Life Insurance Investment Bonds What are offshore bonds? In technical terms, they are non-qualifying whole of [...]

Real Time Information (RTI): Guide To What’s New

November 18th, 2012|Tax|

HMRC is introducing a new way of reporting PAYE (Pay As You Earn) - called Real Time Information, or RTI. From April 2013 employers and pension providers will report their payroll information to HM Revenue & Customs (HMRC) [...]