You are unauthorized to view this page. Username or E-mail Password Remember Me Forgot Password In this video: 00:01:52 - Pension - UFPLUS vs Flexible Access Drawdown (FAD) and tax free cash 00:03:04 - Voyant - Pensions from wife first rather than from both. 00:05:06 - Voyant - How to incorporate selling of property assets. 00:08:13 - Voyant - Model a Defined Benefit pension with an end date. 00:11:06 - Voyant - Model withdrawal from GIA up to the Capital Gains Tax allowance. 00:14:05 - Voyant - Personal Tax Allowance and Marriage Allowance. 00:14:53 - Cash Flow Ladder - Key things to consider when choosing our non-equity funds for lower rungs on the ladder. 00:17:27 - Voyant - Model cash equivalent transfer value (CETV) from a DB pension. 00:19:52 - Pension - Use SIPP for luxury lifestyle expenses in retirement, or an ISA? 00:21:52 - State Pension - Paying for partial/missed qualifying years, worth it? 00:24:01 - Cryptocurrencies - Where would these sit in the cashflow ladder? 00:26:07 - Cashflow Ladder - The early years... UFPLS using up personal allowance. 00:28:22 - Estate Planning - Who would best become executors of our estate? 00:30:52 - Voyant - Does it automatically deduct income tax and NI etc? 00:32:07 - General - Is there a way to pass on an Investment Bond without it being a PET or CLT etc? 00:33:05 - Inheritance Tax - Can you hold qualifying AIM shares in an ordinary ISA then your executor claims BPR after you're gone? 00:34:06 - Voyant - Entering goals, as gross or net? 00:34:59 - Cash Flow Ladder - Do you see the cash flow ladder working differently if you have a DB pension? 00:36:26 - General - What tricky areas will a financial adviser really help that you may not have covered in the course? 00:38:58 - Voyant - Making adjustments over time as investments grow? 00:39:20 - Pension - SIPP vs LISA 00:41:01 - Lifetime Allowance - Annuity, tax free lump sum or defer. 00:43:02 - Cash Flow Ladder - Annuity with GAR of 9.5%, should ladder be changed to reflect this? 00:45:17 - General - How adventurous do you typically need to be to beat inflation? 00:46:49 - General - Would It be possible to have subtitles on academy videos? 00:47:12 - Pensions - Using carry forward. 00:50:07 - Lifetime Allowance - How to work out when to crystallise pensions which collectively have gone over the LTA? 00:53:08 - General - Where did your like for a Karmann Ghia come from? 00:54:04 - Voyant - Annuity, Start and End date? 00:54:43 - Lifetime Allowance - Reducing pension contributions as getting close to LTA, will Voyant model this? 00:57:30 - Voyant - Let Pete know things you want Voyant to do better. 00:58:40 - Pension - Is it worth delaying State Pension? 00:59:38 - Pension - When crystallising your pension can you take money out in a combination of Drawdown and UFPLS? 01:00:42 - Lifetime Allowance - Use Tax Free Cash from age 55? 01:01:10 - Pension - Safe withdrawal rate if retiring age 50? 01:03:11 - Pension - UFPLS or Drawdown? 01:04:20 - Cashflow Ladder - Dividends 01:05:47 - Pension - NI payable on pension from 55 to 67? Prev LessonNext Lesson