Introduction Welcome to the autumn edition of Financial Planning Matters.


Paula Hodge, Partner


The newspapers are full of doom and gloom at the moment and there is no doubt there are challenges for the global economy. There have been significant falls in Stockmarkets round the world and on page 4 we look at how your investments should have fared in this turmoil.


Once you have made your money it is important to many of you to pass it to your family without the taxman taking too big a slice. Inheritance Tax is due to be reviewed by the Government and on page 11 Simon Cole takes a look at what we expect to see.


Our wide range of other topics covers the cost of a University education, the new savings vehicle for Children – Junior ISAs, and some thoughts on retirement planning.


Once you have finished reading I am sure there may be questions you have about the articles. We are here to help you and remember we are always at the end of a telephone, or drop us an email.


Contents


Page 3 Page 4 Page 6 Page 7 Page 8 Page 9


Page 10 Page 11 Page 12 Page 13 Page 14 Page 14


2


Old Mill’s Duncan Parkes is named Chartered Financial Planner of the Year Testing times for investments University Challenge Old Mill news


50p Rate of Income Tax causes debate Junior ISAs


Jamie Thompson Wins Award


Inheritance Tax Relief in the spotlight Interest rates remain at record low Planning for Retirement


Pensioners may receive a tax demand How to limit the risks of your business being reliant on one ‘key person’


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