You are unauthorized to view this page. Username or E-mail Password Remember Me Forgot Password In this video: 00:05:30 - Intro and pre-waffle 00:07:27 - Annual Allowance - Is there any issue with exceeding both the annual allowance and the remaining carry forward allowance from the previous three years? 00:10:12 - Gifts - When making regular gifts to the kids, what records do you need to keep? 00:11:47 - Voyant - Liquidation Order. No salaried income, how to drawdown from DC pension. 00:13:02 - Cashflow Ladder - Is it always the right thing to do to use your personal allowance? 00:15:01 - Voyant - Add a share save scheme with monthly contributions and lump sum in 5 years time. 00:16:40 - General - What challenges/questions would you ask an early retiree who’s considering taking maximum Tax Free Cash (TFC) from their DB scheme in order to invest it. 00:20:22 - Voyant - NHS CARE Pension (2015 scheme, 1/54). I've put it in Voyant as a final salary pension at 1/52 accrual rate as that was the nearest bracket. Is there a better way of doing it? 00:24:09 - Voyant - Is there a reason why Voyant is insistent on rounding mine (and my daughter's) ages up! 00:24:38 - Security - Working in the industry, do you see evidence of platform unauthorised account access, and what protection exists for victims in these cases? 00:27:55 - Voyant - Can voyant be configured to apply Scottish tax rates? 00:28:58 - Voyant - How does Voyant deal with moving between countries... for example moving from England to Scotland, where the tax rates are different? 00:29:17 - Voyant - Does Voyant know about delayed taking of state pension? And can you run scenarios taking delayed state pension at different ages to see the different outcomes? 00:30:08 - Insurance Bonds - Have you ever covered insurance bonds? I have a couple of these and trying to work out when to draw them down in the context of retirement. 00:34:26 - Cash Flow Ladder - For the 11year + which suggests I should be in risk+1, is there something more adventurous than 100% equity I should also be considering? 00:35:29 - Cash Flow Ladder - Is it better to allocate to cashflow ladder based as two individuals or to allocate based on a sum of the 2? 00:36:40 - Voyant - How to model overseas pensions that are not subject to UK LTA limit. 00:40:24 - Dividend Allowance - Can my wife transfer her dividend allowance to me so that we can use up both the dividend tax allowances? 00:40:40 - Pension - If a non tax payer contributes to a SIPP, do they still get 20% added by the HMRC ? 00:40:54 - Mortgage - I’m looking to open a reverse mortgage to generate a line of credit that I can use as a hedge against sequence of return risk in early retirement. Open now (age 56) or when needed? 00:42:00 - GIA - How taxes are calculated on a GIA when moving from GIA to ISA. Bed & ISA. 00:47:18 - Voyant - Liquidation order, SIPP then ISA, how can that be modelled? 00:48:20 - Investing - At age 55, does it make sense to move mainly to paying into the SIPP for the tax advantages? 00:50:41 - Pensions - What are the small pension pot rules? 00:52:16 - Investing - Is there a point where it would be more tax efficient to invest in a S&S ISA rather than a SIPP? 00:53:14 - Penson - If I take tax free cash from a DB pension, and put some of it into a SIPP (for IHT planning) are the HMRC going to consider this TFC recycling? 00:53:25 - Pension - What % someone self employed should be paying into a pension to try to match what was going in to a DB pension scheme? 00:55:04 - Voyant - I have a state pension (DB)from a few years work in France. How would I find out if this is taken into account for the LTA calculation? 00:56:00 - Pension - How should I go about deciding if transferring a pension is the best thing to do? 00:58:51 - Pension - I have just retired and therefore fairly low-risk investments. What % growth should I expect from my pension fund as I don't intend to draw down or take tax-free lump sum for say 7-10 years? 01:00:30 - Pension - DB pension from 1/1984 – 12/1987 with National Mutual Life, moved to Norwich Union (Aviva) 1988, I am advised it will only pay the GMP flat (no increases) when I hit 65. Is that true? Why should I have a 20 x GMP LTA hit if there are no increases? 01:02:42 - Investing - To avoid being Pension heavy is their an "ideal" percentage split to aim for in eg Pensions, ISA's, Premium Bonds, Cash etc. 01:03:34 - Investing - Do you have clients who have got better returns from investing in funds that met the Morningstar criteria rather than just buying index ETFs (e.g., an S&P 500 ETF) and holding for the long term? 01:08:52 - Gifts - Is there a maximum you can give as regular payments? 01:10:24 - Pension - DB Transfers: client had an offer of an (remarkably high) transfer multiple of 56. Would the advice in that extreme case be to transfer? 01:12:59 - Investing - What are your views on the 3-bucket retirement strategy? What percentage of the overall pot do you recommend putting in the first bucket? 01:13:48 - Investing - So picking an index fund mutual fund is as valid way to go as using the Morningstar data to pick some actively managed funds? Prev LessonNext Lesson