Archive for the Articles Category

Australian Start of The Tax Year Seminar

AAM ATO September Seminar

Now that the Election is behind us, what does the ATO have in store for you? With the Federal Election following hot on the heels of the 2019 Budget we now turn our attention to the policies of the reinvigorated Coalition Government. In previous years we have seen a raft of measures which have impacted on the financial wellbeing of Australian Expats and amongst the latest, one which could remove your Insurances from your Super without your knowledge.

Read more

Office of Tax Simplification Report on IHT Issued

AAM Office of Tax Simplification Report

The long-awaited report published by the Office of Tax Simplification (OTS), outlining proposals to simplify the UK’s inheritance tax (IHT) system has finally been published. This article takes a look at the key proposals and the potential impact they could have.

Read more

UK Inheritance Tax, Navigating Complexity

AAM UK Inheritance Tax Navigating Complex

Confusing rules surrounding inheritance tax means skilled estate planners are more vital than ever, says Old Mutual International’s David Denton.

Read more

Brexit, Politics and Pensions

AAM Advisory Brexit, Politics and Pensions

We can say many things about the ongoing saga of Brexit but certainly not that it is plain sailing – short of wars and the oil shock of the 1970s, I can’t remember many times less plain sailing than now. In the three years since the UK voted to leave the European Union on 23rd June 2016 we have seen increased political division and rising uncertainty over both the likely outcome of Brexit and the future party of Government of the UK

Read more

10 UK State Pension Mistakes people Make

AAM 10 Pension Mistakes

Despite the arrival of a new state pension, we still have the old one running alongside it, and the added complexity this brings.
For many people, the state pension is the bedrock on which private pension provision is built. How to qualify, how much it will be and at what age you can expect to get it are all factors that must be considered.

Read more

What will the 2019 Australian Budget mean for you?

With the date for the 2019 Budget having been confirmed as April 2nd, attention is turning to what the Treasurer may have in store for us in this pre-election budget. In previous years we have seen a raft of measures which have impacted on the financial wellbeing of Australian Expats. Ian Black – AAM Head of Financial Planning and Wealth Solutions – will discuss the changes introduced in the Budget, how these will impact you and what you can do about them and the key Labor proposals likely to come in if they win the election in May.

Read more

Act now to Maximise your UK State Pension

AAM "Act now to Maximise your UK State Pension
If you have gaps in your national insurance contributions, you can pay voluntary contributions to maximise your State Pension entitlement. You may be able to pay Class 2 contributions which are around 80% less expensive than Class 3 contributions, if you meet the following requirements: You have [...]Read more

Can You Have The Retirement You Want?

AAM Advisory Can You Have The Retirement You Want.jpg

Given that retirement income will be needed for 20, 25 or even 30 years after you stop working, it is a pretty important issue.Say you want to retire on £20,000 a year (not a fortune) at 65, the best annuity rate at the moment in the UK is just over 4.9%, which means you would need a pot of £408,163 to afford this.

Read more

5 Reasons You Shouldn’t Hire A Financial Planner In 2019

A financial planner will dig into your financial life. They will want to know what drives the decisions you make and what keeps you up at night. If you have a partner, they will want to know this from both of you. Without this conversation, a true financial planner….

Read more

Having multiple Super Accounts and “zombie insurance” costs Australians billions!

Having multiple Super Accounts and “zombie insurance” costs Australians billions! At AAM, we find it depressing to know that one third of Australians have unintended multiple super accounts — costing $2.6b annually in fees**. An Audit of your Supers can show if it can be consolidated and [...]Read more