Unclaimed Higher and Additional Rate Tax Relief on Pension Contributions

Many employed people misunderstand how pension contributions into their workplace pension scheme are made on their behalf. This can often mean that higher and additional rate tax relief goes unclaimed. A common misconception is that higher and additional rate tax relief is given automatically on all pension contributions. This is only the case if contributions…
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Gresham Gift Campaign Goes Online for 2020!

For a number of years now, the Gresham team have worked with the local Barnardo’s Children Centres in Wythenshawe, collecting funds to purchase gifts and food for families that would otherwise be left without at Christmas. As with most things in 2020, we have had to do things a little bit differently this year. Despite…
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Negative Interest Rates – a Thought Experiment

In recent weeks the Bank of England (BoE) wrote a letter to major UK banks to verify how ready they would be if the Bank of England base rate moved from 0.1% into negative territory. They stated that for negative rates to be effective, the financial sector must be ready to implement them in a…
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Office of Tax Simplification Publishes First Stage of Capital Gains Tax Review

It should come as no surprise that in light of increased public spending, the government are looking at potential ways to reform the tax system. The Office of Tax Simplification (OTS) has issued one of two reports on the Capital Gains Tax system which are written for the treasury to help inform them on how…
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Redundancy Lump Sum Payments – What are the Wider Financial Implications?

Unfortunately, the Covid-19 pandemic has already and will further see redundancies becoming more common place as businesses look to streamline costs. It is important for those in such circumstances to understand how a lump sum redundancy payment could impact their wider financial position. The tax due on a termination payment is usually accounted for through…
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    With great thanks for all your reassuring attention over the last year. It means more to me than I can express in a few words.
    Before I chose Gresham I spoke to a number of IFA’s but none of them gave me the same confidence I had when I spoke to Morven. Everything, both written and spoken, is explained in an easy to understand way. All my pensions have been dealt with extremely efficiently and I am very happy with the service I have received from everyone at Gresham.
    We are both very grateful for the time you spent with us in explaining various options. We certainly feel we now both have a much better understanding of our situation & the decisions which we need to consider moving forward.
    A very personalised service… All advice is tailored to my needs with great consideration to issues I may not have thought of myself. I feel confident about my future finances.
    We feel we can phone at any time during office hours if we need anything clarifying. Our financial adviser knows our personal circumstances and is in tune with our goals and lifestyle. His advice has been and continues to be excellent.
    You’ve solved that dilemma for me… Thank you for being so clear and honest as always.
    Thank you so much again for your time and brilliant advice.
    Just a big thank you for all you have done for our family. We do appreciate it.
    Thanks again for your advice, you have given me the kick I needed to take control and I’m very grateful for that.
    I just want to thank you and your team so very much for all you do for me throughout the year. It is a real comfort to know that my investments are in such capable hands. I literally couldn’t do it on my own.
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