Q. I am the owner/manager of a small local business. Despite what we see in the national press, trading conditions remain extremely difficult for many people in my position. Was there any good news for small business owners in the recent autumn statement? A. Yes. Although there were no dramatic gestures (which would have been a surprise… Read more »
Q. I have an interest-only mortgage, which I intend to repay by using the funds held in my ISA and the tax-free cash from my pension once I reach age 55. However, I read an article recently that stated that the government is set to restrict the amount that can be held within an ISA and… Read more »
Q. I am the Finance Director of a medium-sized employer. I have been tasked with ensuring my company’s compliance with the auto enrolment regime when we reach our staging date in early 2014. I was concerned to see a recent newspaper headline that talked about an expected “capacity crunch” amongst pension providers next year, when small… Read more »
Q. I have received a letter from my ISA provider stating that the number of funds in which I can invest has increased, however I cannot tell which additional funds have been added. Can you offer any assistance, please? A. It is impossible for me to tell you which funds have been added without seeing… Read more »
Q. I am the FD and a shareholder of my family-owned business. I have received an approach from a firm of “specialist pensions advisers” extolling the benefits of using my pension to invest in my business. I am conscious that there are circumstances when this can be done but I am also mindful of an… Read more »
