13th December 2019
The first December General Election since 1923, and the third in the last five years, has produced a Conservative majority on a scale that has not been seen since Margaret Thatcher's 1987 victory. So what do we know so far and what does this mean for Britain? Read the full article provided by BROOKS MACDONALD to discover what we know and insights in to what this could...
18th October 2019
Here at Oyster Financial Planning aka SO45 Online presented a cheque for £5,200 to The Waterside Cancer Support Centre from our recent annual Charity Golf Day which took place in July this year raising £6,200, £1,000 of which was presented to Hythe Sea Scouts. The Waterside Cancer Support Centre based in Hythe is a very special place with a specialist team offering...
15th October 2019
CRITICAL ILLNESS COVER It really is that important! Tax Free Lump Sum Critical illness Cover, either on it’s own or as part of an insurance policy, is designed to pay you a tax-free lump sum on the diagnosis of certain specified or life-threatening or debilitating (but not necessarily fatal) conditions, such as a heart attack, stroke, certain types/stages of cancer...
9th September 2019
Some people like to get their affairs in order whilst they are alive, which can include transferring some of their assets. These are known as 'Lifetime Transfers'. Whilst we are all free to do this, it is important to be aware of the potential implications of such gifts with regard to Inheritance Tax therefore you should seek professional advice from your Financial...
31st July 2019
Whether its rough seas or volatile stock market, the same rules apply. When storms rock the boat, don’t jump ship – wait for the bad weather to pass and stay the course. Volatility fluctuates based on where we are in the economic cycle, but it is a normal feature of markets that investors should expect. When stock markets start correcting, daily injections of bad news may sound...
28th July 2019
RETIREMENT LONGEVITY Your destiny is in your own hands If you are in your 550’s or 60’s your thoughts are probably turning towards retirement. When should you retire? How much money do you need? DID YOU KNOW….. Britons aged 30 today have a 50% chance of living to more than 100, while 50 years olds have an even chance of reaching 95. Longer...
19th July 2019
SO45 Charity Golf Day 2019 - Well what a day. Our 7th Annual SO45 Golf Day was a huge success. With the weather not so great, all 68 players joined us for a day of some great golf and possibly not so great. As always everyone who took part enjoyed the day along with those that joined us for the presentation, raffle and auction and of course the game of heads n tails...
15th July 2019
Today, you’ve got a number of options and permutations available when it comes to what to do with your pension in retirement. But lots of choice can also mean increased confusion. Consider your options How long will your pension pot last? Guaranteed income for life (this is also known as an annuity) Take flexible cash or income (this is known as drawdown...
17th June 2019
Inheritance tax is no longer something that only affects the very wealthy, but the good news is that there are ways to limit the amount of Inheritance Tax your family may potentially face. When someone dies, Inheritance Tax is charged on their estate above a certain value. A persons estate is basically everything they own, including their main property, any other properties, cars...
10th June 2019
Over six Million adults refuse to discuss their Will with loved ones. Making a Will is so important if you care what happens to your money, your belongings and your loved ones after you die and most of us do. But have you tried to talk with your children about your Will? If that conversation isn’t happening, you’re not alone. Not only are parents finding it...
