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Selling your annuity

 

Chancellor George Osborne took the opportunity during his recent Budget announcements to unveil yet more pension freedoms, the majority of these due to take effect from April 2015.  From April 2016, the Government will allow individuals who are already in receipt of an income from an annuity to potentially trade this in for cash or to move into a more flexible income drawdown arrangement. For clarity, annuities are a form of insurance or investment allowing the payment of an income to an individual typically for the rest of their life and have previously been very inflexible.

Mr Osborne is quoted as saying that “people should have freedom to choose how they use their savings – we will give five million people access to their annuities”. The Financial Conduct Authority will be tasked with creating a regulated secondary market with further details of how this will work to be announced in due course.

This will be a very specialist area involving the giving-up of an income entitlement for a cash sum and therefore anyone considering the sale of their annuity should seek independent financial advice from a suitably qualified advisor. If you would like to discuss this in more detail, please do not hesitate to contact Mike Oliver.

Tax Tables 2017/18

 

Tax Tables 2017/18

 

The figures contained in these tax tables are based on those announced in the 2017 Budget and may be subject to changes as the Finance Bill passes through Parliament.

Please note income tax thresholds and rates are those applicable in England, Wales, and Northern Ireland.

V1 – 08/03/2017

 

Income Tax 

ALLOWANCES

 

Personal Allowances 2016/17 2017/18
Personal Allowance £11,000 £11,500
Income limit for Personal allowance(1) £100,000 £100,000
Transferable Tax Allowance for married couples and civil partners (2)   £1,100 £1,150
Dividend Allowance   £5,000 £5,000
Personal Savings Allowance (3)   £1,000 £1,000
Married Couples Allowance (MCA) 2016/17 2017/18
Maximum MCA (4) £8,355 £8,445
Income limit for the MCA (5) £27,700 £28,000
Minimum MCA £3,220 £3,260
Blind Persons Allowance 2016/17 2017/18
  £2,290 £2,320

(1) Personal allowance reduced by £1 for every £2 that adjusted net income exceeds the £100,000 threshold. Reduced to zero once adjusted net income reaches £122,000. (2) Available to spouses and civil partners born after 5 April 1935. The recipient must not be liable to tax above the basic rate. (3) Reduced to £500 for higher rate taxpayer and £Nil for additional rate taxpayers.

(4) Can be claimed by individuals born before 6 April 1935. Tax relief for the MCA is 10% and is given as a tax reducer. (5) MCA is reduced by £1 for each £2 of gross income above the income limit (£28,000 in 2017/18) but can’t be reduced to less than the minimum (£3,260 in 2017/18) 

 

TAXABLE INCOME

 

Thresholds 2017/18 Savings Income Dividend Income Non-Savings Income
Starting Rate(1) £0 to £5,000 0% n/a n/a
Basic Rate £0 to £33,500 20% 7.5% (2) 20%
Higher Rate £33,501 to £150,000 40% 32.5% (2) 40%
Additional Rate Over £150,000 45% 38.1% (2) 45%

 

(1) The 0% starting rate is for savings income only. If an individual’s taxable non-savings income exceeds the stating rate limit the 0% starting rate band will not be available for savings income.

(2) These tax rates only apply to the extent that dividend income exceeds the £5,000 dividend allowance.

 

  2016/17 2017/18
Trust Income Dividends Other Dividends Other
Interest in Possession 7.5% 20% 7.5% 20%
Discretionary
The first £1,000 of income 10% 20% 7.5% 20%
Income above £1,000 38.1% 45% 38.1% 45%

 

VENTURE CAPITAL SCHEMES

 

  2016/17 2017/18
Scheme Max Income Tax relief Max Income Tax relief
EIS £1,000,000 30% £1,000,000 30%
Seed EIS £100,000 50% £100,000 50%
VCT £200,000 30% £200,000 30%

 

 National Insurance

 

 

National Insurance – rates and allowances
£ per week 2016/17 2017/18
Lower earnings limit, primary Class 1 £112 £113
Upper earnings limit, primary Class 1 £827 £866
Primary threshold £155 £157
Secondary threshold £156 £157
Employees’ primary Class 1 rate between primary threshold and upper earnings limit 12% 12%
Employees’ primary Class 1 rate above upper earnings limit 2% 2%
Class 1A rate on employer provided benefits 13.8% 13.8%
Married women’s reduced rate between primary threshold and upper earnings limit 5.85% 5.85%
Married women’s rate above upper earnings limit 2% 2%
Employers’ secondary Class 1 rate above secondary threshold 13.8% 13.8%
Class 2 rate £2.80 £2.85
Class 2 small earnings exception  £5,965

per year

£6,025 per year
Special Class 2 rate for share fishermen £3.45 £3.50
Special Class 2 rate for volunteer development workers £5.60 £5.65
Class 3 rate £14.10 £14.25
Class 4 lower profits limit £8,060 per year £8,164

per year

Class 4 upper profits limit £43,000 per year £45,000

Per year

Class 4 rate between lower profits limit and upper profits limit 9% 9%
Class 4 rate above upper profits limit 2% 2%

 

Capital Gains Tax 

ANNUAL EXEMPTION & RATES

 

Annual Exemption 2016/17 2017/18
Individuals £11,100 £11,300
Trustees £5,500 £5,650

 

Main rates for individuals 2016/17 2017/18
Basic Rate 10% 10%
Higher Rate 20% 20%
Rates on gains subject to entrepreneur’s relief 10% (1) 10% (1)
Rates for individuals (gains on residential property) 2016/17 2017/18
Basic rate 18% 18%
Higher Rate 28% 28%

 (1) Entrepreneur’s relief is available on qualifying disposals up to a maximum lifetime limit of £10,000,000.  Gains in excess of this limit are taxed at 20%.

 

Corporation Tax 

Main Rate 2016/17 2017/18
20% 19%

 

*Since 2015/16, there has been a single unified rate for all companies irrespective of the amount of profit they make.

 

*Since 2015/16, there has been a single unified rate for all companies irrespective of the amount of profit they make.

 

Inheritance Tax 

TAX RATES

 

Tax Year Nil Rate Band (1) (2) IHT due on a chargeable lifetime transfers in excess of the NRB IHT due on Death on chargeable transfers in excess of the NRB
2016/17 £325,000 20% 40%
2017/18 £325,000 20% 40%

 

(1)The NRB will remain frozen at £325,000 until 2020/21

(2) When the deceased has been predeceased by a spouse who had not used all of their own NRB on their earlier death, the unused percentage on first death can be transferred to enhance the NRB of the surviving spouse on second death. The maximum percentage that can be transferred is 100% which would double the NRB available.

 

Tax Year Residence Nil Rate Band (1) (2) IHT due on a chargeable lifetime transfers in excess of the RNRB (3) IHT due on Death on chargeable transfers in excess of the RNRB plus any available normal (‘any assets’) NRB (4)
2016/17 n/a n/a 40%
2017/18 £100,000 n/a 40%
2018/19 £125,000 n/a 40%
2019/20 £150,000 n/a 40%
2020/21 £175,000 n/a 40%

 

(1)The RNRB is only available to offset against the value of a residential property that is (or has been previously) used by the deceased as their main residence and which is transferred on death to a lineal descendant, or the spouse or civil partner of a lineal descendant.   (2) When the deceased has been predeceased by a spouse who had not used all of their own RNRB on their earlier death, the unused percentage on first death can be transferred to enhance the RNRB of the surviving spouse on second death. The maximum percentage that can be transferred is 100% which would double the RNRB available.

(3) The RNRB is only available on death – it cannot be offset against lifetime transfers of a main residence. (4)The RNRB, which is in addition to the normal (‘any assets’) NRB, is set off against any chargeable transfers of a main residence before any of the normal NRB is used up.

 

MAIN EXEMPT TRANSFERS

 

Maximum £
Gifts to a UK domiciled spouse No limit
Gifts to a Non UK domiciled spouse £325,000(1)
Gifts to charities No limit
Gifts to political parties No limit
Annual exemption £3,000
Small gifts £250 (2)
Normal expenditure out of income No limit
Gifts in consideration of marriage (see below)
Parents £5,000 each
Grandparents and bride/groom to each other £2,500 each
Any other person £1,000

(1) This £325,000 exemption applies to cumulative transfers. It is therefore necessary to consider previous gifts and transfers to a non UK domiciled spouse in order to determine whether any of this exemption remains.  It is also possible for a non-domiciled spouse to instead make an irrevocable election to be treated as UK domiciled for IHT purposes.

(2) The gift has to be outright; not a gift into trust.

 

IHT RELIEFS

Business or farming assets may attract relief at either 50% or 100%, depending on the circumstances and type of the assets concerned. The relief can apply during lifetime and on death but if the relief is 100%, the practical effect is to make the transaction exempt.

  

Pensions 

ANNUAL ALLOWANCE AND LIFETIME ALLOWANCE

 

Tax Year Annual Allowance Lifetime Allowance
2013/14 £50,000 £1.5million
2014/15 £40,000 £1.25million
2015/16 £40,000 (1) £1.25million
2016/17 £40,000 (2) £1.00 million (3)
2017/18 £40,000 £1.00 million

1) From 6 April 2015, a Money Purchase Annual Allowance (MPAA) was introduced which applies to anyone who accesses their pension ‘flexibly’ on or after this date. The MPAA was £10K in 2015/16 and 2016/17 but reduced to £4K from the start of the 2017/18 tax year.

2) From 6 April 2016, the normal annual allowance is reduced by £1 for each £2 that an individual’s ‘adjusted income’ exceeds £150K. This is subject to a minimum annual allowance of £10K for individuals with ‘adjusted income’ of £210K or more.

3) The lifetime allowance was reduced to £1m from 6 April 2016. To counteract this reduction though, individuals can apply for ‘fixed protection 2016’ to preserve an entitlement to the higher £1.25m lifetime allowance provided (broadly) they do not accrue further pension benefits after this date. Individuals with total pension rights valued at greater than £1m as at 5 April 2016 can also apply for ‘Individual protection 2016.’

 

TAX CHARGES ON PAYMENTS   FROM REGISTERED PENSION SCHEMES

 

Charges Rates 2017/18
Lifetime allowance charge 55% – if the amount over the lifetime allowance is paid as a lump sum

25% – if the amount over the lifetime allowance is taken as income

Annual allowance charge Up to 45%
Unauthorised payments charge 40%
Unauthorised payments surcharge 15%
Short service refund lump sum charge 20% on first £20,000, 50% on any amount over £20,000
Special lump sum death benefits charge No tax charge where member dies prior to age 75

Beneficiary’s marginal rate where death occurs after age 75

Scheme sanction charge 15% – 40%
PENSION CREDIT

 

Guarantee Credit 2016/17 2017/18
Single Person £155.60 £159.35
Married couple £237.55 £243.25

 

BASIC STATE PENSION

 

SPA pre 6 April 2016 2016/17 2017/18
Category A £119.30 £122.30
Category B Supplement £71.50 £73.30
SPA post 6 April 2016 2016/17 2017/18
New single tier pension if got full qualifying years £155.65 £159.55

 

Stamp Duty Land Tax 

RESIDENTIAL

 

Band 2017/18 (existing rates) 2017/18 (Additional property rates)
Up to £125,000 Zero 3%
£125,001 to £250,000 2% 5%
£250,001 to £925,000 5% 8%
£925,001 to £1,500,000 10% 13%
Over £1,500,000 12% 15%

 

COMMERCIAL

 

Band 2017/18
Up to £150,000 Zero*
£150,001 to £250,000 2%
Over £250,000 5%

* Where annual rent is £1,000 or more SDLT will be charged at 1% for commercial land and buildings on values between £0 and £150,000.

 

Individual Savings Account (ISAs) 

ISA   CONTRIBUTION LIMITS

 

Limits 2016/17 2017/18
Overall Limit £15,240 £20,000
Lifetime ISA      n/a £4,000
Help to Buy ISA £2,400 (£3,400 in year 1) £2,400 (£3,400 in year 1)

 

JUNIOR ISA CONTRIBUTION LIMITS

 

Limits 2016/17 2017/18
£4,080 £4,128

 

 

 

 

 

     

 

 

 

 

Oct 042014
 

Only those who do it, can really understand how tough it can be running a business! If you are ready to take your business to the next level, and funding limitations are getting in the way of growth, we have the solution.

Everybody’s talking about it! UK based platforms have seen an explosive growth in crowdfunding companies offering different criteria for lending, so knowing which one to choose can be a little bewildering . Whichever route you choose, be that equity, (where you give shares in the company in return for upfront investment), rewards or a loan from ‘the crowd’ otherwise known as peer to peer lending, you’ll need to know who’s who in the UK crowdfunding scene and that’s where we can help.

10 great benefits that crowdfunding offer

  • It provides access to capital.
  • It hedges risk.
  • It serves as a marketing tool
  • It gives proof of concept.
  • It allows crowdsourcing of brainstorming
  • It introduces prospective loyal customers.
  • It’s easier than traditional applications
  • It’s free PR.
  • It provides the opportunity of pre-selling
  • It can be free!*

Reassuringly, the Financial Conduct Authority has developed a Code of Conduct, which its members sign up to and which is designed to develop a responsible industry and help grow momentum behind this type of investment, so let’s get started.

*Talk to Mike! 0845 4021757     mike@moaifa.co.uk

 

Why crowdfunding is so great for your business!

 

Only those who do it, can really understand how tough it can be running a business! If you are ready to take your business to the next level, and funding limitations are getting in the way of growth, we may have the solution.

Everybody’s talking about it! UK based platforms have seen an explosive growth in crowdfunding companies offering different criteria for lending, so knowing which one to choose can be a little bewildering . Whichever route you choose, be that equity, (where you give shares in the company in return for upfront investment), rewards or a loan from ‘the crowd’ otherwise known as peer to peer lending, you’ll need to know who’s who in the UK crowdfunding scene and that’s where we can help.

10 great benefits that crowdfunding offer

1) It provides access to capital

Crowdfunding is a great alternative way to fund a venture, and it can be done without giving up equity or accumulating debt. Rewards-based crowdfunding platforms allow entrepreneurs to raise funds from the community in exchange for simply giving their tangible products or other relative gifts.

2) It hedges risk.

Starting up a company is a very risky and challenging journey. Besides finding sufficient funding, there are always expenses that are impossible to forecast, challenges in market validation, and other people who want a piece of your venture in order to help get it off the ground.

Launching a crowdfunding campaign hedges these risks and serves as a valuable learning experience. Crowdfunding as it is today allows an entrepreneur to gain market validation and avoid giving up equity before going all out and taking a product concept to market.

3) It serves as a marketing tool

An active crowdfunding campaign is a good way to introduce a venture’s overall mission and vision to the market, as it is a free and easy way to reach numerous channels. Many crowdfunding platforms incorporate social media mechanisms, making it painless to get referral traffic to your website and other social media pages.

Typically, this allows ventures to receive thousands of organic visits from unique users and potential funders. These users are also important for viral marketing, as they have the ability to share and spread the word to their connections.

4) It gives proof of concept.

Showing investors and convincing yourself that your venture has received sufficient market validation at an early stage is hard. However, crowdfunding makes this possible.

The first question that any angel or institutional investor will ask will often be along the lines of proof of concept, and a good way to gain some respect and credibility is be able to show them that your venture had a successful crowdfunding campaign.

This shows trust and integrity towards a venture right off the bat, and will allow verification throughout the journey that one is on the right track.

5) It allows crowdsourcing of brainstorming.

One of the biggest challenges for small businesses and entrepreneurs is to be able to cover all the holes that a venture might have at an early stage. By having a crowdfunding campaign, the entrepreneur has the ability to engage the crowd and receive comments, feedback, and ideas.

This feedback is extremely valuable, as it can help understand some aspects of their business that were previously un-thought of. It could also potentially inspire some other ideas!

6) It introduces prospective loyal customers.

A crowdfunding campaign not only allows an entrepreneur to present a business and product, it gives them the ability to share the message and the purpose behind it.

People who view the entrepreneur’s campaign and decide to contribute are ones that believe in the success of the company in the long run. In essence, these people are early adopters. Early adopters are very important to every business, as they will help spread the initial word without asking for anything in return. Such people care about the venture’s brand and message, and are likely to be loyal customers throughout the life of it.

7) It’s easier than traditional applications.

Applying for a loan or pursuing other capital investments are two of the most painful processes that every entrepreneur has to go through, especially during the early stages of the company.

Thankfully, the application process for crowdfunding is a walk in the park compared to these traditional methods. In order to get started on the crowdfunding path to funding and exposure, an entrepreneur only needs to contact the chosen crowdfunding platform that best suits their campaign theme and purpose, share their venture’s powerful message, make a video, and establish some attractive rewards.

8) It’s free PR.

The momentum created by successful crowdfunding campaigns attracts potential investment from traditional channels and attention from media outlets.

Success stories make for interesting reading, and reporters are always hungry for them. Crowdfunding is a unique and hot industry these days, and countless entrepreneurs who have been successful with it have seen larger success and exposure as a result.

9) It provides the opportunity of pre-selling.

Launching a crowdfunding campaign gives an entrepreneur the ability to pre-sell a product or concept that they haven’t yet taken to market. This is a good way to gauge user reaction and analyze the market in order to decide whether to pursue or pivot on a given concept.

10) It could be free!*

On all or nothing crowdfunding platforms (meaning that you only get the funds raised if you reach 100% or more of your funding goal) there are so many benefits, and no fee to participate. If an entrepreneur sets a goal and doesn’t reach it, there is no penalty. All the funds are returned to each contributor, the entrepreneur doesn’t get anything and neither does the platform. On the other hand, if the fundraising project is successful, everyone wins and gets to be a part of a successful crowdfunding project. When successful, the average commission for the platforms is around 5% of total funds raised.

In essence, crowdfunding is an excellent way for entrepreneurs to receive the financing and exposure they need in order to verify, execute, and help their ventures grow. What started out as a social experiment several years ago has been validated as a viable tool for thousands of people. Crowdfunding has raised billions to give birth and growth ventures of all stages. With the industry still evolving and becoming more efficient, there is no better time than now to take advantage of the associated benefits!

Mike Oliver Associates are directly authorised and regulated by the Financial Conduct Authority. We are a long established company of Independent Financial Advisers based in Sussex, offering a comprehensive range of financial services to private clients and commercial organizations

*mike@moaifa.co.uk   0845 4021757

goldfish jumping out of the water

What is an IFA?

 

What is an Independent Financial Adviser?

Mike Oliver Associates used to be part of the Sesame Network until the network decided to change their business model from independent to restricted (what does that mean? See below).  We felt strongly that in the best interests of our clients, we must maintain our independence, so we became a firm directly authorized and regulated by the Financial Conduct Authority in 2015.

Broadly speaking Advisers are divided into one of two types.

  • Independent Financial Advisers.  IFAs are unbiased and can advise on and arrange products from any provider right across the market. They are required by the Financial Conduct Authority to give ‘best advice’. This means that an IFA is morally and legally obliged to act as the Agent of the Client rather than that of any product or service provider.
  • Restricted advisers.  These are the type of advisers you’ll often find in high street banks, or those who have chosen to specialise in certain providers’ products or certain areas of advice.  Their ‘restricted’ status means that they can only sell and advise on  a limited range of products, or from a limited number of firms.
So, if you’re looking for an adviser, try to ensure it is an
Independent Financial Adviser (IFA) if you’re looking for an unbiased recommendation.

 

If you’re going to get professional advice, check it’s from an Independent Financial Adviser. This is best if you’re starting out with financial advice, as it is important to identify why restricted advisers are restricted – some will be by product, and some will be by provider.

This terminology is a legal distinction, so ask them, “Are you an Independent Financial Adviser?” Don’t accept any hedged answers. Key Facts about our services and Guide to Our Services documents are designed to inform you as to which category an adviser belongs. Please ensure you are given a copy of such documents prior to any decisions being made.

Welcome To:

 

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Events and Seminars

 

The ‘Live Long and Prosper’ event  was the first of our wealth seminars and took place on February 9, 2017 at Côte Brasserie, and included short presentations followed by questions to the panel, with a chance to chat informally over refreshments.  As this was such a success we’ve decided to run some more so watch this space!.

Reaching a ripe old age in financial security is one of the biggest challenges facing 40 – 60 something year olds. Labelled ‘Generation X’, this sandwich generation is feeling under pressure; still responsible for their adult children who are calling on the bank of mum and dad, while also often meeting care costs for elderly parents.

The fear is there simply won’t be enough financial filling left to fund their own retirement but according to Sussex IFA Mike Oliver Associates, we can all live long and prosper! To celebrate 15 years in business, the IFA has brought together a galaxy of experts in later life financial planning and wellbeing for a free, ‘Live Long and Prosper’ seminar in Haywards Heath on Thursday February 9. Addressing both physical and financial health issues, the seminar will cover a wide range of topics from pension and investment choices to asset protection and estate planning.

“Not only are interest rates for savings at an all-time low, but there is also a lot of confusion around the new pension freedoms and concern that people might make some costly mistakes,” says the firm’s founder and principal, Mike Oliver. “The expectation is to have more disposable income in later life but it’s possible that this generation will be entering retirement still looking after their own parents as well as their children. ”

“We hope the seminar will help people explore some of these issues and reassure them that, with the right information and advice, it is possible to enjoy the good life and be financially secure in retirement.”

Contact Us

 
We’re on the high street, drop in and see us….

MIKE OLIVER ASSOCIATES
55 Perrymount Road,
Haywards Heath,
West Sussex, RH16 3BN

Call: 0845 4021757 or o1444 449222
Email: advice@moaifa.co.uk

“We grow our business by referrals, 
don’t keep us a secret!”

 

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and the Data Protection Act 1998.
Information supplied to us on the electronic form
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Your Appointment

 

Tell us about your plans and dreams and we’ll work withchrysalis you to try and turn them into reality

 

What to bring with you

We have created this checklist to give you an idea of what information we will need to help you with your financial planning, and by supplying us with this information at our first meeting, we can start working on your case quickly.

  • List of goals for the financial planning exercise
  • List of specific questions that you want answered

ID/Residence

Proof of name – Current Passport or Drivers Licence

Proof of address – Utility Bill/Bank Statement – dated within the last 2 months showing name and current address

Possible Documentation Requirements:

  • Current Will and Trust documents
  • Buildings and Contents – policy and schedule
  • Life & Critical Illness – policy and schedule
  • Pension policy information
  • Investment information

Information required for Mortgages:

If Employed

Latest 3 months payslips

Latest P60

Latest 3 months bank statements showing salary being credited. Statements must include the bank’s name together with the applicant’s account number and name.

 If Self-Employed

3 years company accounts/self assessment tax returns

3 years HMRC SA302’s with Corresponding tax year overviews – these can be obtained from HMRC, they can be used as proof of earnings and tax paid

If you receive a PAYE salary from your own company then we would require 3 months payslips and latest P60 as well as above

Latest 3 months bank statements. Statements must include the bank’s name together with the applicant’s account number and name.

Additional Documentation

For purchases if not using equity from existing property we will need evidence of deposit funds

Latest Annual Mortgage Statements

For Court Ordered Maintenance payments – a copy of the court order

For Child/Working Tax Credits/Child benefit – Annual letters from HMRC confirming your payments for the following year and corresponding bank statements for the past 3 months showing the payments received

Latest Credit Report

Please sign and return the IDD explaining our costs and services we provide along with the data protection statement attached

 

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Commercial & Development Finance

 

Commercial & Development FinanceWe want to help you grow a healthy business.

We can help you determine how much investment you need to enable your company to grow: depending on the sum, one or other option may be better suited to your needs.  Every business is different, and even if the figures add up, you may find yourself shying away from particular forms of finance. The best way to get advice specific for your venture is to consult with a professional.

UK based platforms have seen an explosive growth in crowdfunding companies offering different criteria for lending, so knowing which one to choose can be a little bewildering. Whichever route you choose, be that equity, (where you give shares in the company in return for upfront investment), rewards or a loan from ‘the crowd’ otherwise known as peer to peer lending, you’ll need to know who’s who in the UK crowdfunding scene and that’s where we can help.

We also provide expert advice on new or exisiting owner-occupier funding for commercial freehold property or long leasehold.  Loans to individuals, partnerships, limited companies and LLP’s.

Refinance an existing commercial mortgage to reduce interest charges. Many long standing facilities are being charged at much higher rates than would now apply.

Borrowing can be arranged for any purpose giving the business maximum flexibility.

We have linked up with innovative start up social enterprise companies who support small to medium size business reach their full growth potential. With the collective experience of 65 years we have the knowledge and expertise needed to help drive your company forward.  Not only can they research grants and funding for your business, but are also experts at application process and bid writing.

For commercial mortgages we act as introducers.

Your property may be respossessed if you do not keep up repayments on your mortgage.

Speak in confidence to us on 0845 4021757 or tell us your requirements on the Contact Us page and we will get straight back to you.