The changes in Financial Services have escalated to such an extent that neither advisers or clients are able to address them in sufficient detail without allocating a significant amount of time to basic research. Invariably, this time is not available to the extent that is necessary. Consequently, fees and charges are rising at a rapid rate and Independent Advisers, Accountants and Solicitors are becoming more and more specialised making it even more difficult to select an Adviser let alone a basic passage plan.
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How much time and energy have you spent in working to reach your current position? How much time do you have left until retirement and what are your essential needs goals and ideal requirements in the event of sickness, accident, critical illness or death? How much cover do you need? These questions will help you assess your initial approach to underwriting your ability to achieve some or all of these objectives.
Mortgages for house purchase in today's markets are hugely diverse. There are so many options that limitations on research and the need for speed generally create the main conditions for selection. Broker / Advisers often cannot access special deals available direct but what indeed are the real costs of that low cost loan that hits the headlines?
Standard investment advice has always been not to invest for a tax advantage alone. However, the tax treatment of a particular investment can provide a very useful boost to the initial capital invested or indeed a useful cushion in a falling market. The way that the eventual income or capital gain can be taken within the relevant taxation criteria is also an important consideration which can make a significant difference to the end result.
Having bailed high rolling banks out of the 2007/2008 financial crisis, the Government is now in need of ever increasing income just to stand still. Austerity brings its own problems and the measures introduced do not always succeed in increasing their actual tax income. Tax Evasion has always been illegal but Tax Avoidance was always considered perfectly reasonable.
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