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Simon’s Market View – July 2017

Markets have had a reasonable start to the year with FTSE All Share up 2% and US S&P 500 up over 6%. One could regard this as surprising bearing in mind the number of uncertainties overhanging the world economy. Much of this gain is based on real earnings of companies, with the main economic blocks […]

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Simon’s Market View – 28/06/2016

EU Brexit This is clearly going to dominate headlines for some time to come with the country seemingly in political chaos.  Whether the exit eventually benefits the UK economy, we will not know for some time, but we do know that markets react badly to periods of uncertainty and that is what we now have. […]

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A Budget Brimming With Change!

Much of the budget will have been publicised by now and we at Tarvos are as surprised as any at the significant changes made to pensions. 2015 will be a defining year for pensions with most of the current restrictions when taking benefits at retirement swept aside in favour of complete flexibility and individuals’ right to decide what to do with their pension fund. Alongside that we also saw changes to the personal allowance, Individual Savings Accounts and the saving rate band of income tax. We set out the key changes affecting financial planning and our thoughts.

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Financial Advice – The Burden of Choice

The SRA’s decision to allow solicitors to refer clients to tied and multi-tied financial advisers may have significant implications for firms. Prior to the recent change which came into force in January 2013, solicitors were prohibited to refer clients to tied and multi-tied advisers.  The SRA requirement followed the Law Society rule, which meant that […]

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Update: Care Bill 2013

Brought before Parliament in the House of Lords on 10th May, the Bill is currently being debated.  It will become law at the end of this year or early 2014. It contains provisions for reforming the long term care sector, following the Dilnot Review in 2012.  It includes provisions for: Capping the total amount an individual […]

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Simon’s Economic Update

 Firstly, you will have noticed the new name. Tarvos is a derivation of Taurus and the change has been necessary in order to enable us to register the name as a unique trade mark in the financial services sector. Rest assured the underlying business, and people within it, are still the same. We are however […]

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5 Top Tax Tips for Tax Year End Planning
– Press Release

The end of the tax year is looming but there’s still time to make sure you have used all your appropriate tax allowances, says Chartered Financial Planner Ruth Dolan. “Whether you are a non taxpayer, basic rate taxpayer or higher rate taxpayer, there could be ways to improve your income by ensuring you are making […]

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Annuities: It Pays to Shop Around

The FSA have just announced their intention to carry out a review of the annuity market and how annuities are sold. An annuity is the regular income plan that is purchased with part or all of a pension fund when retirement is reached.  Individuals pay into their schemes throughout their working life in order to […]

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Care Fees Reform Q&As

The new reforms are great news aren’t they?  I simply need to set aside £75,000 for future care fees and when that is gone, the government will step in and pay any care costs? No, although the headlines have inferred this, the rules are not that simple.  The £75,000 cap only applies to the care […]

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Long Term Changes for Care Funding

The cap on long term care costs is a welcome step towards improving the current system of funding care costs.  However, the detailed regulations will introduce more complexity to the issue of care funding. Proper advice as to how individuals can fund their care will become even more important. The £75,000 cap on certain care costs, […]

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