Hi, I’m William George and I specialise in Retirement Planning, Pension Transfer and Investment Advice at Integrity Financial Solutions UK Ltd. We’re recommended on a daily basis by Unbiased.co.uk a non-profit organisation who help 60,000 people a month connect with their own local IFA Financial Advisor quickly and easily. I’ll be happy to help you with either Personal or Group Pension matters. What others say… From Iain Jones – Director of KDM Shopfitting, Rosy... Read Full Story

Posted by William on November 6th, 2009 in Tax Advice Hi everyone, this is an important update for some of you. The Taxman continues to turn up the heat on people with offshore accounts. In his latest initiative Dave Harnett, permanent secretary for tax at HMRC, has turned to social networking sites such as You Tube and Facebook to try and encourage people to declare their offshore investments. In a video posted on You Tube Mr Harnett states… “For some people, offshore bank a... Read Full Story

Posted by William on October 23rd, 2009 in Pension Advice Hi everyone, since 1995 significant changes have been instituted regarding State Pensions. These were followed by changes brought in by the Pensions Acts of 2007 and 2008. The Act of 2008, whilst mainly focusing on Private Pensions, did also introduce changes to the State Pension as well. The Government wishes to build on this earlier work along the following principles… To try and make the State Pension fairer and more widel... Read Full Story

Posted by William on October 9th, 2009 in Investment Advice Hi everyone, I thought it timely to bring you my latest thoughts regarding where we are in investment terms, concerning the downturn which continues to grip western economies so powerfully. There is much debate about whether we are in a bear market rally at the moment or whether we have hit the bottom and are now on our way up again. Evidence can be found for both views and it is useful to note that there is no obvious consensus on... Read Full Story

Posted by William on October 9th, 2009 in Pension Advice Hi everyone, following on from my last article covering the new Pension Age Change that comes into effect from April 6th 2010, I’ve got a great PDF for you that will explain the issues involved. From this date you will not be able to receive an income or a tax-free lump sum from any private pension before your 55th birthday, unless your health is very poor. I highly recommend you download and read what it covers if you were ban... Read Full Story

Posted by William on September 29th, 2009 in Pension Advice Hi everyone, Did you know the minimum retirement age increases from 50 to 55 on 6 April 2010? As a result you may be adversely affected by this important change. At the moment it’s possible to use your pension to provide a tax-free lump sum and/or an income at any time after you reach the current minimum retirement age of 50. You don’t even need to stop working to do this. However, if you are over 50, or will be by 5 April 2010 ... Read Full Story

Posted by William on July 16th, 2009 in Pension Advice Hi everyone, When the recently announced auto-enrolment requirements hit employers in 2012 they will have to enrol all their eligible employees into a workplace pension scheme. As it stands at the moment, if they don’t set up their own scheme they will have to use Personal Accounts instead. Personal Accounts use a one size fits all approach. This means that employers will have no say in how the pension is set up and run. The risk that ... Read Full Story

Posted by William on June 22nd, 2009 in Investment Advice Hi folks I thought it would be a worthwhile exercise today to look at some diverse opportunities for investment in what are still very unsettled times. Whether we are in a bull market or just a bear market rally is quite a question when respected fund managers such as Neil Woodford and Anthony Bolton currently take completely contrasting views. The FTSE 100 fell back 2.6% last Monday further serving as a cautionary check to us all. ... Read Full Story

Posted by William on May 28th, 2009 in Pension Advice With many more options available now to provide you with income in retirement it really is important that you get proper independent financial advice to help you choose wisely the best product suited to you. One product which has been around for some time and is maybe just now getting due prominence is the Flexible Annuity - and it’s certainly worth considering it as you begin your retirement planning. The definition of a Flexible... Read Full Story

Posted by William on April 30th, 2009 in Tax Advice Hi everyone, just thought I’d let you know I’ve uploaded a 12 Page 2009 Budget PDF for you to download. It gives you a great information on the following in a really easy to read/understand format. Some highlights include… ISA limits Capital Allowances Business trading losses Tax relief on pension contributions Top rate of income tax details Personal income tax allowance details It also covers… PERSONAL AND TRUST ... Read Full Story