Introduction


This year more than ever before there are many financial changes to consider, both immediately and affecting your long term planning.


Kevin Whitmarsh, Partner


We have highlighted some of the most important changes for you in the following pages. We make no apologies for there being a bias towards pensions in this issue as major changes came into place on 6th April.


It is always important to discuss your individual circumstances with our highly qualified planners, and if you feel a spring clean of your finances are in order then please contact us.


We try to include a broad range of topics so there is something of interest to everyone. If an article isn’t relevant for you then perhaps it may be of interest to your family or friends. Please feel free to pass your copy of the investment bulletin to someone else, request another copy or point them in the direction of our website www.oldmillgroup.co.uk where you can view the bulletin electronically.


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Contents Old Mill news Tax matters


A budget for growth?


How much are you worth? Pensions – the big picture


Savings and pension – how much is enough? When will you receive a State Pension? Pensions – the new rules


Feed-in Tariffs – what has happened? Portfolio Management Service Update Monthly Tax Update Deposit Account rates:


Prepare now to beat unisex rates – European ruling on gender discrimination will affect us all


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