Literature

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e Smart Money May/June 08

The May/June 08 publication covers the topics below:

• Life insurance bonds…no change following CGT reform
• The Budget at a glance, key announcements
• Farewell to the 10p tax rate…the winners and losers
• Tax facts 2008/2009…what the numbers really mean
• The Budget and business…the key announcements at a glance
• Retirement matters…commitment to help pensioners
• News in brief…incapacity benefit reform
• Pension Schemes…your questions answered
• HM Revenue & Custom's extension of power, your questions answered
• Tax returns…new measures could lead to penalties
• Retiring abroad…taking your pension with you
• Inheritance tax…if you have concerns tax planning is essential
• The futures bright…financial incentives to encourage the young to save
• Self Assessment…how it works
• Capital gains tax…one minute guide
• Savings Gateway Accounts, getting in the savings habit
• Tax tracker…targeting unpaid taxes
• UK company pension schemes…greater powers to appoint trustees
• Revenue actively pursues offshore bank accounts…around 5,000 UK taxpayers come under scrutiny

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e Smart Money July/Aug 08

The July/Aug 08 publication covers the topics below:

• The Pensions Act 2007…reform of the pension’s landscape
• Defined contribution schemes…guidance for trustees and employers
• News in brief…regulator sets out vision for pensions
• Company pension schemes…trustees must be kept informed
• News in brief…guarantees for the over 60s
• The State Pension…your questions answered
• Making life easier…reforms designed to build a bigger pension provision
• Uncovering the jargon…getting to grips with the language of retirement
• Let’s get ethical…environmental and socially responsible investment
• Funds under management…best performance for a year
• Inheritance tax…your life cover written in an appropriate trust?
• Making a will…who will your legacy end up with?
• Fund sectors…guide to where your money is being invested
• Retirement…benefits and tax allowances
• Fresh challenges…fair share of prosperity
• Trust planning…keeping hold of your property
• Capital gains tax…your most frequently asked questions
• Tax-efficient saving and investment…quick guide to making more of your money

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e Smart Money Sept/Oct 08

e Smart Money Sept/Oct 08

The Sept/Oct 08 publication covers the topics below:

• Enjoying a long and fulfilling retirement…setting financial targets is the key
• Increasing financial security and freedom…make sure your financial affairs are in good shape
• Diversification…spreading the risk to acquire a good mix of assets
• Nothing is certain but death and taxes…it’s not only the super-rich that are subject to inheritance tax
• Investing for growth, income or for both…what are the options available to you?
• The State Pension…Happy 100th birthday
• Have you accumulated a number of different pension plans? consolidation could bring benefits
• Protecting your family’s lifestyle…obtain the right advice for your needs
• News in brief…credits and benefits to be available in one phone call
• Uncovering the jargon…getting to grips with the language of investment
• Taking control of your pension investments…tax-efficient wrappers provide a wide variety of options
• Shareholder protection…could you retain control of your business?
• The damaging effects of loosing a key person…protecting the business against financial loss
• Venture Capital Trusts…nothing ventured, nothing gained
• Bank of mum and dad…forced to turn to bank of sons and daughters to fund long term care
• Investment planning…the expectation of greater reward

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E Smart Money Nov/Dec Edition

The Nov/Dec edition of Beckett e smart money is now available. Topics covered in this edition include the following:

• The credit crunch,how did it all begin? A knock-on effect for credit markets and the wider world economy.
• Banking bail-out, £500bn underwritten and guaranteed by the Treasury.
• UK officially on the brink of a recession, government measures intended to lessen the effects.
• Completing your tax return tax doesn’t have to be taxing, but don’t miss the deadline.
• Three-part financial rescue package reducing the effects of the credit crisis on the UK economy.
• The corporate credit crunch ten tips to survive the credit squeeze.
• Preserving your wealth make sure your heirs are not left facing an unexpected tax bill.
• Pension reform your pension questions answered.
• Open Market Options speeding up the time of payments made to pensioners.
• State pension amended pensions bill boosts entitlements.
• Festive stocking fillers an alternative gift for children this Christmas.
• Protecting the unexpected peace of mind when you need it most.
• Enterprise Investment Schemes…helping smaller trading companies brings investor relief.
• Financial Services Compensation Scheme guarantees for savers’ deposits.
• Coming to the end of your current mortgage deal?
• Lack of funding in wholesale markets has led to a dramatic reduction in the mortgages available.
• Mortgage approvals…57 per cent lower than a year ago.
• New rules aimed at reducing repossessions help for struggling homeowners.
• Personal finance a quick guide to the jargon of financial planning.
• Tax facts 2008/09 income tax rates and allowances.
• Volatile markets pension schemes have relatively limited exposure.
• Savvy savers…protecting your savings.

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E Smart Money Jan/Feb

The Jan/Feb 09 publication covers the topics below:

• Take a look at your tax…are you paying more than you really need to?
• Surprise interest rate reductions…lowest levels for over 50 years
• Corporate matters…cost-effective solutions for today’s challenging business environment
• Savers disadvantaged by lower interest rates…in general, savings rates are now lower compared with last year
• Pre-Budget Report 2008…were you a winner or a loser?
• Getting your finances in shape…have you considered the potential effects of a recession?
• Protecting your lifestyle…covering the costs that result from a serious illness
• 45 per cent tax rate for high earners…the wealthy could face substantial tax rises
• Open Market Options…speeding up the time it takes payments to be made to pensioners
• Estate planning…don’t leave your heirs facing an unexpected tax bill
• Savings compensation scheme…how safe is your money?
• Long term care home fees…a postcode lottery
• Holding out for an early retirement…but have you made the necessary arrangements?
• Square Mile will fight back from the recession…enjoying a new age of prosperity
• Reducing home repossessions…helping those who might be hardest hit in tougher times
• Wrapping assets in a SIP…a solution for your specific requirements and financial objectives?
• Listed investment companies…proposals welcomed to provide certainty on UK funds’ tax status
• Pre-Budget Report for business…a wide-ranging package
• London’s global competitiveness…report highlights the need for improvements to the UK tax regime
• Splitting the sector…all change for the UK equity income and growth sector
• ISA returns of the year…sheltering your returns from tax

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E Smart Money Mar/Apr 09

The Mar/Apr 09 publication covers the topics below:

• Creating wealth during a downturn…Savers experience lowest savings rates in more than 100 years.
• Get your ISA skates on…Time is running out if you haven’t used your allowance.
• A social, moral or environmental agenda…Striking a balance between principles and making a profit.
• Turning your pension savings into an income…Give yourself plenty of time to think through the options.
• Self-Invested Personal Pensions…Tax-efficient wrappers that provide greater control over your pension.
• Tackling a potential IHT issue Now is a great time to discuss your problem with us.
• Investor confidence…Down but not out.
• Pensions reform has changed the retirement landscape…
• Self-Invested Personal Pensions…Your questions answered.
• Open-Ended Investment Companies…Collective investment vehicles with a twist.
• How balanced is your investment portfolio? Limit any losses to take advantage of the upside.
• Maximise your income potential…Planning is the key.
• Are your investments as tax efficient as they could be? Understanding your tax position. 
• Saving makes sense…Report endorses the message.
• How tax-efficient are your finances? Give yourself a makeover before the end of tax year.
• Recession paralysis…Consumer confidence in making financial decisions without expert advice has plummeted.
• New personal accounts…Pension provision will become compulsory for employers.
• Could you be eligible for a savings-tax refund? You can reclaim tax going back five years.
• When was the last time you reviewed your protection portfolio? The ffoundation that underpins all financial planning.
• Propping up the tattered banking system…Taking on hundreds of billions pounds of extra bank liabilities

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E Smart Money May/Jun09

The May/Jun 09 publication covers the topics below:

• Higher earners will need to pay more into their pensions - a break from the long-standing principle that an individual receives tax relief on their pension contributions at their highest marginal rate
• Nine in ten gold-plated pension schemes are at risk of closure - the vast majority of firms say they have insufficient assets to meet their pension promises
• 2009/10 tax tables…what do the numbers mean to you?
• Housing market fortunes - could you end up paying too much tax?
• Absolute return funds - making money during both rising and falling markets
• Moving your pension - bringing your money under one roof
• Where should I put my money? - recession-proof your portfolio
• Will you be forced to delay your retirement? - advice is invaluable, particularly when you are dealing with more complex financial products
• Corporate retirement planning - choosing the right pension scheme options for you and your employees
• Retirement matters - your questions answered
• Budget 2009 at a glance - were you a winner or a loser?
• Self-employment - new penalties if you are late in notifying HMRC that you have commenced selfemployment
• Good news for grandparents - you’ll still be able to claim credits towards the basic state pension even if you’re providing childcare
• ISA limits increased - welcome news for savers who have seen their savings income fall
• Remortgaging - reduce the cost of your single biggest debt
• An opportunity to limit tax - crystallising losses could work to your advantage
• Budget 2009 - chancellor increases tax rate on high earners’
• A Budget for business? - the highlights at a glance
• Silver Savers - equality bill could outlaw accounts which are specifically for people aged over 50
• Maintaining the financialsecurity of your business - don’t overlook your most important assets
• National Insurance Contributions - 2009/10 financial year
• Protecting your money from inflation - what are your options?
• Investment trusts - driven by the level of demand for its shares

 

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E Smart Money Jul/Aug 09

The Jul/Aug 09 publication covers the topics below:

• Pension tax relief threshold could be lowered still further - Higher rate taxpayers should talk to us now
• Investing for retirement - The flexibility to decide on your pension investments at all times
• Dates for your diary - Don’t miss these deadlines
• Tax-efficient wealth creation - Taking advantage of the increased savings allowance
• News in brief - Cutting the time taken for annuity transfers
• Investing offshore - With careful planning, a variety of savers could put offshore investments to good use
• Safety in numbers - Reducing the risk of acquiring wealth
• Investing in your child’s education - Make sure that your numbers add up
• Trust in your future - Investment solutions for the diverse needs of our clients
• Inflation matters - Protecting your finances from the return of inflation
• Lifestyle protection - Easing the financial pressures of a critical illness
• Thinking of retiring soon? Navigating through the minefield of choices
• UK workers neglect to save more tax-efficiently - Don’t miss out on the extra tax relief available this year
• Tackling a potential IHT issue - Now is a great time to discuss your problem with us
• Inheritance tax glossary - The basics
• Corporate financial advice - Meeting the distinct and changing needs of you and your business
• News in brief - Will you have to work until you are almost 80 years of age?
• Ethical money - Making ethical choices when it comes to your finances
• Making a will - The first step to ensure that your estate is shared out exactly how you want it distributed
• The jargon of retirement - What you need to know
• Money makeover - Tips to make your finances more financially savvy

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E Smart Money Sep/Oct 09

The Sep/Oct 09 publication covers the topics below:

• Corporate bonds - Attracting investors for all the rightreasons
• Self-Invested Personal Pensions - Why astute investors are talking to us about taking control of their own investment decisions
• Wealth management - Aiming to preserve your wealth and shelter it from the burden of higher taxes
• Taxpayers allocated incorrect tax codes - Have you had too much tax deducted from your wages?
• Emerging markets - Do they have the potential to lead the recovery when the world economy begins to stabilise?
• The search for income - Investing for an income in a low interest rate environment
• Are you taking advantage of your ISA allowance? The earlier you invest, the longer your money is outside the reach of the taxman
• Planning your retirement income - Maximising an income from your pension fund
• Transferring your pensions - Your questions answered
• What type of investor are you? - Building a solid investment strategy through good and bad times
• Financial protection for you and your family With the abundance of choice, we can help you make the right decisions
• Inheritance tax planning - Keeping your hard-earned assets out of the hands of the taxman
• Investing in uncertain times - In a low growth environment, which areas offer the best prospects?
• Dates for your diary - Don’t miss these deadlines for submitting your 2008/09 tax return
• Locating a lost pension - Tracing service may provide the help you need!
• Buy-to-let landlords acquiring more properties - Interest rate cuts tempting property investors back in to the market
• Long-term care - There is no panacea when it comes to paying for care
• Experiencing mortgage repayment problems? - It’s essential to talk
• Data Bank - Tax facts, do you know your numbers?

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e Smart Money Nov/Dec 09

The Nov/Dec 09 publication covers the topics below:

• Achieving a wealthierretirement - Have you considered your options?
• Bespoke investment solutions - Spread of instruments
• Purchased Life Annuity - Securing an income for the rest of your lifetime
• Boosting your retirement income - Shopping around to get the best deal
• ISA returns of the year for the over-50s
• Have you taken advantage of topping up your tax- efficient savings?
• Savings survey - Facing up to the reality of not having saved enough
• Protecting key personnel - Managing the risk that could ultimately threaten your company’s profits
• Are you an incomeseeking saver? - Making the right informed decisions is the key
• Dividing pension rights in a divorce - Complex calculations mean there are number of factors to consider
• State pension age changes - Dates for your diary
• Inheritance Tax Planning - Your questions answered
• 10 ways to save tax Act fast before the end of the tax year
• Long-term care - Considering your options
• Individual Savings Accounts - Your questions answered
• Your tax code - Did you know?
• Britons saving more - Figures show higher savings ratio
• Personal finance jargon - A guide to understanding some of the basic terms used
• Data bank - Tax facts, do you know your numbers?
• Pension rules post A-Day - How the landscape for retirement planning has changed

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E Smart Money Jan/Feb 2010

The Jan/Feb 2010 publication covers the topics below:

• Individual Saving Accounts - A popular and simple way to save
• Pension apathy - Why you should review your retirement options
• Mind the pension gap! - Are you too optimistic about the age at which you’ll be able to retire?
• Investment solutions - Achieving the most efficient mix of risk and return
• Tax facts - What you need to know
• Boosting your pension - Act fast before the end of the tax year
• Pre-Budget Report - The key points at a glance
• Investing at a time of low interest rates - Investment opportunities when interest rates are low
• Retirement planning - Transferring pensions
• Making a will - Don’t leave your loved ones with additional costs and complications
• Investing in a new decade - What opportunities could the future hold?
• Inheritance tax artificial schemes closed - Wider solutions to the problem of trusts being examined
• A Pre-Budget Report for business? - Corporation tax increase deferred for SMEs
• Further pension changes on the horizon for higher earners - Contributions restricted on a tapered basis from 2011
• Higher rate tax payers beware - Don’t be lured by the glisten of fool’s gold
• New Disclosure Oportunity - Tackling offshore evasion of taxes
• Pre-Budget Report - Your questions answered
• Is it time you had a wealth check? - Start the new decade with a new bill of wealth
• Creating an effective portfolio - How to maximise your gains, while minimising the risks
• Critical illness cover - Protection for the unexpected

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