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Pension considerations at tax year end
20 Feb 2019

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Pension considerations at tax year end
Hi [first_name]
Calculating a client’s pension allowances, particurlarly at tax year end, can be complex. 

FundsNetwork’s tax and pension experts, Paul Kennedy and Paul Squirrell, take us through the many steps necessary when assessing a client’s position before making a pension contribution.

The video can be viewed within the ‘Tax year end support’ area of the FundsNetwork website, where you will also find a wide range of support material for you and your clients at this time of year.

A step-by-step approach

From the critical starting point of tax relief, they also discuss in depth:

  • Annual allowances
  • The tapered annual allowance
  • Carry forward
  • The money purchase annual allowance and the triggers
  • Exceeding annual allowances 
  • The lifetime allowance

Kind regards

Derek Bradley, CEO
Panacea Adviser
www.PanaceaAdviser.com

UKM0219/23464/SSO/na

contact@panaceaadviser.com     manage my preferences     unsubscribe
Panacea is a trading style of Grantmell Ltd. Company registration number 5688007

This e-mail is private and confidential and may contain privileged material. If you have received this e-mail in error, please notify the sender and delete it immediately. You must not copy, distribute, disclose or use any of the information in it or any attachments.

How do you manage rising MiFID II demands efficiently?
15 Feb 2019

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How do you manage rising MiFID II demands efficiently?

Dear [first_name]

Increasing regulatory pressures, like MiFID II, creates increasing workloads for advice firms, who find it more and more challenging to service clients profitably and efficiently. Driving efficiency is top of many firms’ agendas in the UK today. 

Founded in 2003, Dynamic Planner is the UK’s most popular risk profiling and asset allocation investment process. It is used by 6,500-plus advisers to ensure investment suitability, increase efficiency and demonstrate value to clients.

Dynamic Planner is fully integrated with 23 leading back-office systems and platforms – so time previously spent on tasks such as portfolio valuation and investment strategy implementation can now be dramatically reduced.   

A new, two-way integration between Dynamic Planner and Intelligent Office was launched last month. It is available now in the Intelliflo iO Store.

Speaking at the 2019 Dynamic Planner Annual Conference in London in February, Nick Eatock - Executive Chairman at iO – told delegates that the integration was the best iO had ever delivered with a partner.

Dan Jordan, Managing Director at Lighthouse Wealth, added: “In 2019, you have got to deliver MiFID II as cost efficiently as you can. We have seen today what Dynamic Planner are doing. You’ve got to embrace that.”

The Dynamic Planner process takes what can be hours of work for an investment review and reduces it to less than 45 minutes. Advice firms have seen annual productivity benefits of more than £17,000 per adviser as a result.

Many clients tell us that without a demo they would never have understood just how dramatically Dynamic Planner can reduce the need for multiple systems and transform their investment process. That’s why we strongly recommend you book one.

Please complete the demo request form and Dynamic Planner will give you a call to schedule a live remote demonstration.



Kind regards
Derek Bradley, CEO
Panacea Adviser
www.PanaceaAdviser.com
contact@panaceaadviser.com     manage my preferences     unsubscribe
Panacea is a trading style of Grantmell Ltd. Company registration number 5688007

This e-mail is private and confidential and may contain privileged material. If you have received this e-mail in error, please notify the sender and delete it immediately. You must not copy, distribute, disclose or use any of the information in it or any attachments.

Targeting EIS Tax benefits and returns with Blackfinch
13 Feb 2019

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TARGETING EIS TAX BENEFITS AND RETURNS WITH BLACKFINCH 

Dear [first_name]

Updated government requirements mean schemes can meet client needs with significant return potential alongside access to EIS tax benefits. 

A need for EIS investment

Clients continue looking to Enterprise Investment Schemes (EIS) as powerful tax planning tools. 

Recent legislative changes mean they can also take a fresh approach to risk with a greater potential for gain. 

An established provider

Blackfinch is a trusted name in EIS. Its current offering, the Blackfinch Ventures EIS Portfolios, invests in EIS-qualifying early stage firms. 

It enables clients to access EIS tax benefits along with significant return potential. The team targets a 5x return.  

An expert team

The team identifies innovative firms across sectors with technological potential. It also co-invests alongside investors. 

As experts in early stage investing, the team brings privileged deal flow and active support for companies, from investment to development to exit. Contact Blackfinch on 01452 717070

A commitment to value


The AMC of 2% is charged for the first four years only, then waived and charged to investee companies. 

This can add significant value, as investors should be able to claim relief on the amount they have invested plus these fees. 

Blackfinch Ventures EIS Portfolios

Take a look at the how the portfolios work and can support your clients’ aims by downloading the Allenbridge Review below. The service is accredited by MICAP and MJ Hudson Allenbridge.



Kind regards
Derek Bradley, CEO
Panacea Adviser
www.PanaceaAdviser.com

contact@panaceaadviser.com     manage my preferences     unsubscribe
Panacea is a trading style of Grantmell Ltd. Company registration number 5688007

This e-mail is private and confidential and may contain privileged material. If you have received this e-mail in error, please notify the sender and delete it immediately. You must not copy, distribute, disclose or use any of the information in it or any attachments.

Tax year end = opportunity
11 Feb 2019

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Tax year end = opportunity

Dear [first_name]

For everything you need to make the most of the opportunities on the Aegon Retirement Choices (ARC) platform, just visit Aegon's tax year end zone. 

It has all the resources you need, including: 

  • Aegon's simple four-step process to help you run an effective, targeted ISA campaign for your clients;
  • how-to guides to help you get the most out of the platform;
  • information about consolidating your clients’ money onto ARC and where you can see some of the potential benefits, and
  • how you might be able to reduce your clients' overall annual charge on their assets.

Visit Aegon’s tax year end zone

Kind regards
Derek Bradley, CEO
Panacea Adviser
www.PanaceaAdviser.com
contact@panaceaadviser.com     manage my preferences     unsubscribe
Panacea is a trading style of Grantmell Ltd. Company registration number 5688007

This e-mail is private and confidential and may contain privileged material. If you have received this e-mail in error, please notify the sender and delete it immediately. You must not copy, distribute, disclose or use any of the information in it or any attachments.

Ethics and Alpha
7 Feb 2019

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Ethics and Alpha

Dear [first_name]

In search of clarity, we set out to provide a wayfinding tool for investors by trawling through the academic literature, interviewing the experts and contrasting the theory with reality. And while our focus is on equity markets, we also touch on some of the key factors to consider in fixed income and real assets. 

Nobel Prize-winning economist Milton Friedman said: “There is one, and only one, social responsibility of business: to use its resources and engage in activities designed to increase its profits so long as it stays within the rules of the game, which is to say, engages in open and free competition without deception or fraud.”

Friedman, perhaps the 20th century’s most celebrated free-market economist, described the idea that businesses had a responsibility to wider society as a “fundamentally subversive doctrine”.

Read more

Kind regards
Derek Bradley, CEO
Panacea Adviser
www.PanaceaAdviser.com
RA19/0142/01052019
contact@panaceaadviser.com     manage my preferences     unsubscribe
Panacea is a trading style of Grantmell Ltd. Company registration number 5688007

This e-mail is private and confidential and may contain privileged material. If you have received this e-mail in error, please notify the sender and delete it immediately. You must not copy, distribute, disclose or use any of the information in it or any attachments.

Mailock – a unique, secure way to email Beyond Encryption
5 Feb 2019

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Register to start your 14 day FREE OF CHARGE trial

Hi [first_name]

As you are no doubt aware, sending sensitive, personal data by normal email leaves you open to cyber-crime and may contravene legislation. 

Even password-protected attachments are highly susceptible to cybercriminal attacks. 

Cyber-attacks may expose you, your clients and businesses partners to immeasurable damage and leave you open to financial loss and reputational damage.

Breaching GDPR legislation means infringement fines of up to €20 million or 4% of global revenues for your business.

But post is time consuming, can be expensive and can also be lost.

Mailock from Beyond Encryption is easy to set up and works with your existing email, so that you can start sending secure email and be confident in what arrives in your inbox.

The solution is Mailock

  • Mailock is a secure, easy, GDPR-compliant add-on to your usual email system
  • You secure your outbound emails with a simple Q&A process
  • You can brand secure emails to reassure recipients they are authentic
  • Set up your company users in a few simple steps on the Mailock Admin Console
  • Check emails have been opened and revoke access at any point
  • Reduce costs and carbon footprint by sending secure emails rather than posting sensitive documents


contact@panaceaadviser.com     manage my preferences     unsubscribe
Panacea is a trading style of Grantmell Ltd. Company registration number 5688007

This e-mail is private and confidential and may contain privileged material. If you have received this e-mail in error, please notify the sender and delete it immediately. You must not copy, distribute, disclose or use any of the information in it or any attachments.

FundsNetwork’s tax year end toolkit
24 Jan 2019

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Your pension and ISA resources in one place


Dear [first_name]

FundsNetwork™ has launched a dedicated support zone that includes a wide range of useful materials for this time of the year. It provides resources to help planning and aid client discussions, so that they can utilise valuable pension and ISA allowances.

Here are three of their documents to help initial preparation:


1. ‘Recommending our Pension: supporting you with your due diligence’

A guide covering the reasons why you can recommend the FundsNetwork Pension to your clients. You will find the guide under the 'Pension' section of their tax year end support zone.

 

2. ‘Recommending our ISA and Investment Account’

Detailed information about FundsNetwork’s service and commitment, including the investment range, income options, bulk switching and much more. You will find the guide under the 'ISA' section of their tax year end support zone.

 

3. ‘Guide to our charges and Adviser Fees service’

A transparent approach to charging and all you need to know about FundsNetwork’s Adviser Fees service. You will find the guide under both the 'Pension' and 'ISA' sections of their tax year end support zone.





Kind regards
Derek Bradley, CEO
Panacea Adviser
www.PanaceaAdviser.com


UK0119/23258/SSO/na
contact@panaceaadviser.com     manage my preferences     unsubscribe
Panacea is a trading style of Grantmell Ltd. Company registration number 5688007

This e-mail is private and confidential and may contain privileged material. If you have received this e-mail in error, please notify the sender and delete it immediately. You must not copy, distribute, disclose or use any of the information in it or any attachments.

Your Future SIPP, by Curtis Banks
22 Jan 2019

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Dear [first_name]

We’re delighted to share that Curtis Banks' new pension, Your Future SIPP, will be available in just a couple of weeks’ time

Before Curtis Banks launch, we’d like to share a few more details and provide some independent insight into why their new SIPP is just right for you and your clients, and why Curtis Banks is the right company to provide it.

Your Future SIPP will, quite simply, be Curtis Banks' SIPP of choice for the future. The majority of existing SIPPs from Curtis Banks and Suffolk Life will shortly close to new business. They will operate solely as Curtis Banks going forward.

Get ahead

To make sure you’re ready for Your Future SIPP, and to benefit from the key features including zero cost online applications and auto adviser fees, please sign up to the Curtis Banks Terms of Business if you have not already done so. 



If you have any queries regarding Your Future SIPP please contact your Curtis Banks Business Development Manager or contact 01473 296 950 for more information.


Kind regards
Derek Bradley, CEO
Panacea Adviser
www.PanaceaAdviser.com
contact@panaceaadviser.com     manage my preferences     unsubscribe
Panacea is a trading style of Grantmell Ltd. Company registration number 5688007

This e-mail is private and confidential and may contain privileged material. If you have received this e-mail in error, please notify the sender and delete it immediately. You must not copy, distribute, disclose or use any of the information in it or any attachments.

Doing due diligence on VCTs
14 Jan 2019

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STEP 4: MAKING SURE AN OCTOPUS VCT IS RIGHT FOR YOUR CLIENT
Hi [first_name]


You’ve identified a client that could benefit from a VCT.

You’ve talked them through how a VCT could help and the associated risks.

You might then have a client looking to invest in a VCT.

But you’ll want to do due diligence before you recommend any VCT to your client. 

OCTOPUS VCT ADVISER HUB

You’ll find third-party reports, client illustrations and an independent financial strength assessment of Octopus Investments on the Octopus VCT adviser hub. Use the links below to access some of the resources available. 

Webinar: Join Octopus for a webinar tomorrow, covering how a provider can support you with due diligence 

Adviser hub: Find tools that will help you at each stage of writing VCT business

Illustration: Request a bespoke client illustration for an Octopus VCT


Kind regards
Derek Bradley, CEO
Panacea Adviser
www.PanaceaAdviser.com

Some risks to keep in mind

  • The value of a VCT investment, and any income from it, can fall as well as rise. Investors may not get back the full amount they invest. 
  • Tax treatment depends on individual circumstances and may change in the future.
  • Tax reliefs depend on the VCT maintaining its VCT-qualifying status.
  •  VCT shares are by their nature high risk, their share price may be volatile and they may be hard to sell.

VCTs are not suitable for everyone. Any recommendation should be based on a holistic review of your client's financial situation, objectives and needs. Octopus do not offer investment or tax advice. Issued by Octopus Investments Limited, which is authorised and regulated by the Financial Conduct Authority. Registered office: 33 Holborn, London, EC1N 2HT. Registered in England and Wales No. 03942880. We record telephone calls. Issued: January 2019. M2-CAM07728-1901.

contact@panaceaadviser.com     manage my preferences     unsubscribe
Panacea is a trading style of Grantmell Ltd. Company registration number 5688007

This e-mail is private and confidential and may contain privileged material. If you have received this e-mail in error, please notify the sender and delete it immediately. You must not copy, distribute, disclose or use any of the information in it or any attachments.

Exploring Brave New Worlds in America - read the article in Baillie Gifford’s Enlightenment
7 Jan 2019

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Hi [first_name]
Welcome to the second issue of Enlightenment, the fund magazine from Baillie Gifford. 

It’s the chance for you to read the news and views of the teams involved in running their OEIC funds.
Brave New Worlds
Talking to companies on the frontiers of science and manufacturing not yet on the radar of many investors is essential to a long-term investment view, says Kirsty Gibson
Japan - The Land of the Rising Dividend
Structural reform among Japanese companies is boosting payments to shareholders. However, as Karen See points out, many income investors continue to ignore the land of rising dividends. 
Asia - Beyond the Headlines
Recent headlines relating to geopolitical and market unrest in Asia do not deter Tim Erskine-Murray from an upbeat analysis of Asia’s outlook.

Kind regards
Derek Bradley, CEO
Panacea Adviser
www.PanaceaAdviser.com

contact@panaceaadviser.com     manage my preferences     unsubscribe
Panacea is a trading style of Grantmell Ltd. Company registration number 5688007

This e-mail is private and confidential and may contain privileged material. If you have received this e-mail in error, please notify the sender and delete it immediately. You must not copy, distribute, disclose or use any of the information in it or any attachments.