Integrity365

Pensions, Inheritance Tax and the Autumn Budget... Last week, Labour announced that when an individual dies with unused pension funds or entitlements, these will become part of that person’s estate and may be liable to Inheritance Tax, as of 6th April 2027. In the latest episode of the Integrity365 Financial Insights Podcast, Deborah Packer and Craig Pritchard Dip PFS discuss what the next steps in the process of this will be. Watch the full episode on: ▶️ YouTube - https://lnkd.in/egber5iG   🎧 Spotify - https://lnkd.in/e-5A4RXu This is likely to change the way some individuals view and plan for retirement, as well as how they pass on wealth to future generations so advice from an Independent Financial Adviser is more important than ever. To discuss your own financial planning arrangements, please do not hesitate to get in touch with your expert team of trusted Independent Financial Advisers. #autumnbudget #inheritancetax #taxplanning #pensions #ifa

Looking for some lunchtime listening? 🍔🎧 Our Independent Financial Advisers have sat down to digest the Autumn Budget, discussing.... 💼 Employer National Insurance 📈 Capital Gains Tax 👪 Pensions & Inheritance Tax 💰 and much more! Founding Financial Adviser Deborah Packer and Workplace Pensions expert Craig Pritchard Dip PFS discuss what these changes could mean in terms of financial planning for individuals, employers and businesses. ▶️ Watch now on YouTube: https://lnkd.in/eCYepxGn 🎧 Listen on the go via Spotify: https://lnkd.in/eG_fgWy6 #financialplanning #ifa #financialadvice #autumnbudget #workplacepensions #nationalinsurance

𝗛𝗼𝘄 𝗱𝗼𝗲𝘀 𝘁𝗵𝗲 𝗔𝘂𝘁𝘂𝗺𝗻 𝗕𝘂𝗱𝗴𝗲𝘁 𝗶𝗺𝗽𝗮𝗰𝘁 𝗽𝗲𝗻𝘀𝗶𝗼𝗻𝘀? The 2024 Autumn Budget has introduced significant changes that affect pensions, making it crucial for both employers and employees to seek trusted pension advice. 𝗪𝗵𝗮𝘁 𝗵𝗮𝘀 𝗯𝗲𝗲𝗻 𝗮𝗻𝗻𝗼𝘂𝗻𝗰𝗲𝗱? 1️⃣ 𝗡𝗮𝘁𝗶𝗼𝗻𝗮𝗹 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗖𝗵𝗮𝗻𝗴𝗲𝘀: Employer NIC is currently 13.8% on employee income above £9,100, but from April 2025 this will rise to 15% on income above £5,000 - which is a big increase for companies. ➡️ If you are an employer not utilising salary exchange/sacrifice for your workplace pension scheme, now is the time to reconsider and explore how this can financially benefit you and your eligible employees. 2️⃣ 𝗣𝗲𝗻𝘀𝗶𝗼𝗻𝘀 & 𝗜𝗻𝗵𝗲𝗿𝗶𝘁𝗮𝗻𝗰𝗲 𝗧𝗮𝘅 (𝗜𝗛𝗧): From 6th April 2027, when an individual dies with unused pension funds or entitlements, these will become part of that person’s estate and may be liable to Inheritance Tax. A 12-week technical consultation is being conducted on the processes to implement the change, and will run until 22nd January 2025. ➡️ This is likely to change the way some individuals view and plan for retirement, as well as how they pass on wealth to future generations which an Independent Financial Adviser can assist you with. As we await further details on these changes from the government, the team at Integrity365 is committed to helping employers and employees navigate these changes. If you would like an informal discussion as to what these changes mean for yourself, your business and your employees, please do not hesitate to reach out! #autumnbudget #pensions #pensionplanning #financenews #financialplanning #financialadvice

There is certainly a lot to discuss following yesterday's budget announcement, highlighting the importance of seeking professional financial advice to help navigate these changes. In our latest update we share insights from Integrity365 CEO Matt Goy DIP CII as he discusses some key changes for clients to be aware of, as well as our PDF Autumn Budget summary guide. Read now at: https://lnkd.in/eC4iTziU Stay tuned for more updates, webinars, and podcasts from our dedicated team of Independent Financial Advisers in the coming weeks as the government provides further clarity on these changes. Should you have any questions at this stage, please do not hesitate to get in touch. #financialadvice #autumnbudget #rachelreeves #financialplanning #labourbudget #ifa #independentfinancialadvice

Congratulations on starting your journey toward becoming Resolution accredited! With both personal and professional insight into the emotional and financial challenges of divorce, Marcus is committed to providing trusted Independent Financial Advice tailored to each client's unique circumstances. If you are navigating this difficult time, please don't hesitate to reach out to explore how our team of advisers can support you in managing the complexities of divorce.

How to choose the right level of investment risk for you? To approach this topic, it is important to understand the relationship between investment risk and return. Independent Financial Adviser Ross MacDonald DipPFS CII MP discusses this in our latest article, from assessing your financial situation and risk tolerance to the power of diversification Read now at https://lnkd.in/ez-GD4mi #investing #investingadvice #investments #financialplanning #financialadvice #ifa #independentfinancialadvice #wealthmanagement

🌟 Paraplanning Opportunities at Integrity365 & MacDonald Partnership! 🌟 We are seeking a talented Paraplanner to join our office-based Inverness team. If you have at least three years of experience and share our passion for excellent client service, we would love to hear from you. At Integrity365, we pride ourselves on providing high-quality financial advice and exceptional client experiences. Join our friendly, supportive team where clients come first! 🔗 To apply and find our more, please visit: https://lnkd.in/eatwqyHX Feel free to share this opportunity with your network! #Hiring #Paraplanner #InvernessJobs #hiringininverness #invernessrecruitment #inverness #CareerOpportunities

The future of Inheritance Tax (IHT) continues to be up for debate, even more so as Labour’s first post-election Autumn Budget draws nearer. Independent Financial Adviser Nicola Glass discusses in our latest article: https://lnkd.in/e4kqPS82 Please do not hesitate to speak with an Integrity365 Independent Financial Adviser on 0117 450 1300 should you have any concerns or questions relating to your estate planning requirements ahead of the Autumn Budget announcement. #autumnbudget #labourbudget #financialplanning #estateplanning #inheritancetax #taxplanning #financialadvice

We are delighted to introduce Sam Lane Dip FP CeMAP who is the latest Independent Financial Adviser to join our Bristol team. After spending many months looking for a prospering, dynamic, truly client-focused organisation that mirrors his own values and aspirations, where he could continue to deliver the first-class service clients rightly expect, Sam is delighted to become part of the Integrity365 family. Sam is welcoming new client relationships since joining Integrity365 and is happy to discuss your financial planning needs. We hope you will join us in welcoming Sam to the team! Meet our full team of advisers and get in touch with them directly at https://lnkd.in/eQjWpTP #newhire #ifa #financialadvice #financialplanning #meettheteam

Paraplanners in Inverness 💡 We are hiring in our MacDonald Partnership Inverness office. If you are an experienced paraplanner with a passion for client service that would like to join a friendly, supportive team then we would love to hear from you. We are looking for individuals who share our values of trust, transparency and integrity, in order to provide high-quality financial advice and exceptional client experience. Find out more at https://lnkd.in/eatwqyHX Please share with your network if you may know of anyone looking for the next step in their career. #hiring #jobsinscotland #paraplanning #paraplanner #invernessjobs #financialplanningjobs #invernessrecruitment