X

Contact Kirk Rice

Kindly complete the form below to send an enquiry. Your message will be sent to one of our Accountants or Financial Planners who will respond to you within 24 hours.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service
X

Request Appointment

Please complete this form to request an initial appointment at our cost.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service
X
X

Contact Kirk Rice

Kindly complete the form below to send an enquiry. Your message will be sent to one of our Accountants or Financial Planners who will respond to you within 24 hours.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service
X

Request Appointment

Please complete this form to request an initial appointment at our cost.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service
X
X

Contact Kirk Rice

Kindly complete the form below to send an enquiry. Your message will be sent to one of our Accountants or Financial Planners who will respond to you within 24 hours.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service
X

Request Appointment

Please complete this form to request an initial appointment at our cost.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service
X
X

Contact Kirk Rice

Kindly complete the form below to send an enquiry. Your message will be sent to one of our Accountants or Financial Planners who will respond to you within 24 hours.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service
X

Request Appointment

Please complete this form to request an initial appointment at our cost.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service
X
X

Contact Kirk Rice

Kindly complete the form below to send an enquiry. Your message will be sent to one of our Accountants or Financial Planners who will respond to you within 24 hours.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service
X

Request Appointment

Please complete this form to request an initial appointment at our cost.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service
X
X

Contact Kirk Rice

Kindly complete the form below to send an enquiry. Your message will be sent to one of our Accountants or Financial Planners who will respond to you within 24 hours.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service
X

Request Appointment

Please complete this form to request an initial appointment at our cost.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service
X
X

Contact Kirk Rice

Kindly complete the form below to send an enquiry. Your message will be sent to one of our Accountants or Financial Planners who will respond to you within 24 hours.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service
X

Request Appointment

Please complete this form to request an initial appointment at our cost.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service
X
X

Contact Kirk Rice

Kindly complete the form below to send an enquiry. Your message will be sent to one of our Accountants or Financial Planners who will respond to you within 24 hours.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service
X

Request Appointment

Please complete this form to request an initial appointment at our cost.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service
X
X

Contact Kirk Rice

Kindly complete the form below to send an enquiry. Your message will be sent to one of our Accountants or Financial Planners who will respond to you within 24 hours.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service
X

Request Appointment

Please complete this form to request an initial appointment at our cost.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service
X
X

Contact Kirk Rice

Kindly complete the form below to send an enquiry. Your message will be sent to one of our Accountants or Financial Planners who will respond to you within 24 hours.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service
X

Request Appointment

Please complete this form to request an initial appointment at our cost.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service
X

Kirk Rice Blog

Posts by: Peter Sharratt

  • Brexit: How Investors Should Approach The UK ReferendumWritten on April 14, 2016 by Peter Sharratt

    In Brief Though we anticipate a vote in favour of remaining in the European Union (EU), a “no” vote in the coming UK referendum is a distinct possibility and is something that investors should be prepared for. Long term, both the costs and the potential benefits of Brexit to the UK economy are probably exaggerated […]

    Read More
  • Drop In Lifetime AllowanceWritten on March 30, 2016 by Peter Sharratt

    The Lifetime Allowance (LTA) will reduce to £1m on the 6 April 16. It’s likely to remain at this level until 2018 at which point it will increase by CPI (inflation).  Should you be doing something?  A lot depends on the value of your pensions and so the first thing to do is establish what […]

    Read More
  • The Economic Impact Of ‘Brexit’Written on March 24, 2016 by Peter Sharratt

    I want to share this report with you. It was commissioned by Woodford Investment Management and it explains in a balanced way the potential impact of a vote to leave the European Union – or Brexit.  It has been produced to be suitable for advisers and clients; personally, it is probably the best document I […]

    Read More
  • Maximising Pension ContributionsWritten on March 23, 2016 by Peter Sharratt

    You paid £20,000 into your pension in each of the three tax years 2012/13, 2013/14 and 2014/15. You can carry forward £30,000 (£50,000 – £20,000) from the first two of these (the annual allowance was £50,000), and £20,000 from 2014/15 (when the allowance was £40,000) – a total of £80,000.  You contributed £10,000 before 8 […]

    Read More
  • Budget TimeWritten on March 23, 2016 by Peter Sharratt

    Some key points as follows: The Lifetime ISA will be introduced on the 6 April 2017.  This aims to remove what the government sees as a dilemma for young savers; save for a house or retirement?  It will be available for anyone under 40 and the maximum they can save is £4,000pa and a bonus […]

    Read More
  • The Third Budget In 12 Months – Our Full SummaryWritten on March 17, 2016 by Peter Sharratt

    How will this Budget affect you? If you are – or want to be – a saver, then there is plenty to consider. From April 2017 a new ISA, the Lifetime ISA, will be launched for the under-40s. It looks as if it is a close relation of the recently abandoned pensions ISA. Also from […]

    Read More
  • Cash ISA And Interest RatesWritten on March 3, 2016 by Peter Sharratt

    I have held on to my Cash ISAs expecting an increase in interest rates and hoping they would start to earn a reasonable interest rate. At present, they are earning about 1%. From what I had been reading last year they were expected to rise soon, but more recent press coverage suggests it will be next year. What do I do?

    Read More
  • Personal Savings AllowanceWritten on February 4, 2016 by Peter Sharratt

    A Personal Savings Allowance will be introduced from the 6April 2016; this will be £1,000 for Basic rate taxpayers and £500 for Higher rate taxpayers (total income broadly above £42,500 inclusive of the Personal Allowance).  On the same day the automatic deduction of 20% Income Tax by banks and building societies (including NS&I) on non-ISA […]

    Read More
  • What ISA – Top, Average or Bottom?Written on January 21, 2016 by Peter Sharratt

    I would need to know a lot more about you and your requirements before I could recommend a specific provider and fund/s.  I will therefore summarise two broad options for you to consider.  First of all, you could go direct to a Fund Manager such as Jupiter or Invesco Perpetual (purely examples and not a […]

    Read More
  • What Happens to My Pension When I Die?Written on January 14, 2016 by Peter Sharratt

    What’s payable upon death depends on the type of Pension.  Final Salary Pensions usually pay a Pension to the surviving Spouse/Civil Partner which will be subject to Income Tax. There may also be a Children’s Pension payable until they are 18, or 23 if in full time education.  Money Purchase Pensions (Occupational Money Purchase, Stakeholder, […]

    Read More