Search Results for: “personal pension”

Download your free Personal Pensions & Saving for Retirement guide

What is a personal pension plan? Why should I contribute to a pension? Can I avoid the child benefit tax charge? Why would I need a personal pension plan? When should I start a pension? How much do I need … Continue reading

Personal Pensions

What is a personal pension plan? Quite simply, a personal pension is a tax efficient long term savings plan designed to provide you with a tax free lump sum and income on retirement, allowing you to enjoy your later years … Continue reading

Workplace pension or personal pension?

In short, workplace pensions have some beneficial aspects over personal pensions, however, you may not benefit from individual advice to ensure that achieve your personal goals. If you are self-employed then you will not have any workplace pension and so starting a personal pension plan is critical. Continue reading

What happens to my pension if I change jobs?

If you are currently enrolled in a pension scheme but are soon to be changing employer, your new provider should also offer a workplace pension and depending on your former employer’s scheme then you may be able to transfer your … Continue reading

When should you start a pension?

Ideally, you should start making contributions to a pension as early as possible. Personal Pension plan benefits are on what is called a money purchase basis. That is, the eventual benefits will depend on how big your pot is and … Continue reading

Pension annual limit trap can catch out directors

Are you a Director of Employee and currently paying personal pension contributions? If so, the changes to pension rules introduced just over a year ago could be seriously limiting tax relief on these if you have adopted a policy of … Continue reading

Defined Benefits Scheme- What should I do?

Many people with defined benefit schemes are looking to take advantage of the current high transfer values, and transfer the funds to a personal pension. With the new flexible pension rules, there is a clear attraction to higher tax-free cash … Continue reading

Download your free Pre year end tax planning for individuals guide

Personal Allowance (under 65’s) £9,440. Personal Allowance (over 65’s) £10,500 or £10,660 Basic Rate Band £32,010 Points affecting higher earners: Capital Gains Tax (CGT) Pension Contributions – Annual Limit £50,000 Individual Saving’s Accounts ( ISA’s) DOWNLOAD Need help with personal … Continue reading

Sedulo Wealth Account

The Sedulo Wealth Account is an internet based platform which allows investors to adjust investment goals as income and lifestyle change without high cost. As with most things modern, this enhanced service provides real-time valuations 24 hours a day. The … Continue reading

Sedulo Newsletter – January 2014

Interested in what we have been up to over the past month? Click the link to view our January 2014 newsletter! Continue reading

Sedulo Client Privacy Notice

Who are we? What data do we collect? How do we collect your data? What is our Legal Basis for Processing your data? Why do we collect your data? How do we use your data? Who do we share your … Continue reading

Top planning tips for Inheritance Tax

We’ve put together our top planning tips for Inheritance Tax and how you can reduce your IHT and protect your assets. Live 7 years! If you give assets away and survive 7 years then there will be no IHT on … Continue reading

Download our free guide to understand more about property taxation. We cover topics from Personal Allowances, Capital Gains Tax, Pension Contributions and much more.

Budget 2017: The effect on individual taxpayers

On the 8th March, the Chancellor, Phillip Hammond delivered his first (and last) Spring Budget. This was a Budget to “prepare Britain for a brighter future” and to build “the foundations of a stronger, fairer, more global Britain”. Compared to … Continue reading

Top tax planning tips for year end

As we near the tax year end on the 5th April, our Chartered Financial Planner, Gareth Rose, has given his top ten tax planning tips for year end and has listed the top areas you should look at to maximise … Continue reading

Expert View – Auto-enrolment commission ban confirmed for April

Early this week, the FT Adviser reported that the government has confirmed the auto-enrolment commission ban on occupational schemes, and the new arrangements will come into force from April 2016. In a document published by the Department for Work & … Continue reading

Top 5 predictions for Budget 2016 – Were we right?

It’s that time of year again when the tax industry look into their crystal ball and attempt to predict what the Chancellor might announce in his Budget next week. This will be George Osborne’s eighth Budget and our main predictions … Continue reading

How can I reduce property tax?

When renting out a property, the tax treatment depends on the kind of property you are renting out. The rules are different for; Residential properties, furnished residential lettings, furnished holiday lettings and commercial properties. Residential properties When renting out a … Continue reading

How the Summer Budget 2015 affects managing your wealth

Inheritance Tax (IHT) Currently IHT is charged at 40% on estates over £325,000. Any unused allowance can be transferred to your spouse, so a married couple has £650,000 between them before IHT is paid. From April 2017 the Government has … Continue reading

How Budget 2015 affects savers

Help to buy ISAs Help for those looking to save a deposit for a mortgage. This new offering comes with a boost from the government in the form of a tax free bonus. The bonus will be 25% of the … Continue reading

How the Summer Budget 2015 affects you | Guide

Covered in this free guide… Business Tax Corporation tax rate Annual Investment Allowance (AIA) NIC employment allowance Landlords Personal Tax Personal allowance & higher rate threshold Reform to dividend tax Non-domiciled status Wealth Management Inheritance Tax (IHT) Tax relief on … Continue reading

In the Press

2018 Sharp new look for Sedulo Leeds Downtown Business , June 2018 Midshire gives sharp new look for Sedulo Marketing Stockport , June 2018 A coffee with Richard Pattison Leeds City Magazine , June 2018 Accountants’ office transformed into music … Continue reading

August 2014 Successes

Our highlights from August are: We signed a number of new clients, including a bar, one from the online gaming sector and one for personal tax. We also welcomed a new client to the fold in the form of one … Continue reading

What they say

I love the proactiveness of Sedulo, I deal with a lot of Accountants in my job and you are a real breath of fresh air! I really appreciate the way we are working together and hope it is the start … Continue reading

Why would I need a relevant life policy?

If you are a company director and you have personal life cover to protect your family and dependents then you could be paying more tax than you need to.

If you pay for life cover from your own bank account then you will be paying from post tax … Continue reading

How the Budget 2014 affects you | Guide

  Covered in this guide… What are changes to Annual Investment Allowances? What are the changes to R&D payable tax credits? Changes to Tax Avoidance Schemes What are the increases in Personal Allowances? 10% savings band reduced to 0% How … Continue reading

Pre year end tax planning for individuals | Guide

Looking to understand more about pre year end tax planning for individuals?

Download our FREE guide here! Continue reading

Life cover; how to reduce the cost

As a company director would you like to consider a more cost effective way of paying for your life assurance arrangements? Did you know that arranging life cover for yourself can be treated as a legitimate business arrangement and, with … Continue reading

Sedulo Wealth Management; 3 months down the line

Sedulo Wealth Management has now been running for 3 months and is well and truly up and off the ground. It’s been enjoyable meeting all clients and contacts that I have come across so far and now is an ideal … Continue reading

What is Wealth Management and what can it achieve?

A common misconception that I come across with Wealth Management is the assumption that our service is solely for the rich. First thing’s first; ‘wealth’ does not necessarily mean pounds in the bank. Yes money is a part of wealth, … Continue reading

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