You are unauthorized to view this page. Username or E-mail Password Remember Me Forgot Password Questions: 00:00:00 - Intro 00:02:22 - In one of your recent videos regarding DB pension you said ideally you want to take the maximum you can per annum? My partner is looking to retire in one year with a DB pension and has been considering taking a lump sum and putting it into ISA’s to reduce pension closer to £12570 in order to reduce tax. Is this not the best way forward? Thanks in advance 00:04:58 - Hope you are well. I want to run pass you some calculation and thoughts to see if I miss/mistake anything: Basically I want to stop working at 50, assuming by then I will have 380k in my DC pension pot. The plan is to deposit £3600/yr and hope the pot grow 4% per year until I am 58 and the pot will become 546k. Of course I will need to cover my cost of living between 50-58 with savings. Then at 58 I take 3.5% annuity ( no cash withdraw) which will give me £16k income each year which assuming is that I need to spend each year. (Of course that £16k is future money which is around 9.4k at today's money assuming 4% inflation.) Will this plan work? what are your thoughts,thank you! 00:13:00 - Regarding Financial Planning. I am now in 2 yrs state Pension, but I am still working part-time with small R2R business. I am looking at Financial Planning & Retirement planning too. No other pension except 1 B2L, 1x Rental in USA. I have my Residential Home. I've put all my investment in Properties. Need some advice pls. My youngest is still in University. How would I begin to start planning for 5,10,20 yrs. I would like have Peace of mind & Enjoy life. Many thanks & best rgds. 00:20:25 - Interesting video on what’s next after Pensions and ISA’s. If EIS, VCT and Investment Bonds are not one’s cup of tea, what else can one do besides a GIA? 00:21:30 - I am relatively new in the community and going through the modules. My question is about pensions, I got 2 pots from previous employers and one from my current job. Is better to bring those 2 to my current employer’s pot or to a separate SIPP and add monthly contributions? 00:25:34 - Loved your episode with Dan from MotherTree (actually signed up to his greener living service!). Any chance we could have an episode all around ethical & environmental finance? The more people like you spread awareness of the option, the more people could start to be more cognisant of the issues linked to money 00:26:55 - I have a new Q pls: I am higher tax payer and forget to ask my company to pay my bonus into my BC pension pot this year. I already paid £50K pension this year ( used some of last year's allowance) and think of paying all my bonus (£5k) into the pension before 5 April. Should I pay it in on one go or try to do in 5 x 1K to drip feed? How much tax I should claim back from MMRC? ( assuming my gross income is £80k a year) 00:31:00 - Hi, I have some US stocks (from a previous employer) in a US trading account. If I were to sell them and transfer the money to the UK, and purchase those stocks within my ISA (adhering to the bed & ISA rules) does that actually give tax/CGT protection? Or am I still liable to US taxes and therefore there's no point in doing that? 00:35:55 - Hi Pete, this is James Green. Love the pod, the course and voyant go. I re-listened to an old podcast episode recently where you mentioned that you use the Notion app/ software to record various info including your WID list and I think you said that you may do a YouTube video on this one day. Did you ever make that episode? If so could you advise where I could find it? Or if not, are you still planning on doing this one? Many thanks 00:37:40 - Regarding the headroom of allowance in the past 3 years - assume I can group them together - e.g. year 1 ,10k , year 2 ,10k year 3 ,5 k than I have 25k headroom 00:38:51 - If I have some US restricted stock given by my company, if I sell them in the UK, I will pay UK income tax, right? I did not sell as soon as they vest, so I will have to pay capital gain tax if they grow. But if they lost value, what do I do with captain gain tax? thanks 00:40:50 - One pension provider has told me that if a fund I have invested in was to fail, I would not be able to claim via FSCS as they (pension provider) will claim and therefore the amount I receive back cannot be guaranteed. Is this essentially how all platforms work with money invested in funds? 00:45:29 - Can you kindly remind me that if you exceed the LTA, is the tax taken as soon as you draw down from your pension or at 75? 00:49:11 - My wife has some company stocks in a SIP from when she worked at Microsoft 20 years ago so a lot of gains in there. Are they then tax free or is it worth getting them out and into an ISA? 00:49:45 - 56 year old with old/small DB pension and no private scheme and £100k to invest - is it too late to go the SIPP/ private pension or would you go ISA/GIA route? on basis of up to £40k a year back up to 3 years 00:52:04 - If you wanted to defer paying tax on the LTA, is it possible to move any excess funds into a SIPP and then only draw down at a much later date. Is this sensible or stupid? Prev LessonNext Lesson