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About Us

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Scott Taylor, BSc (Hons) Chartered Financial Planner IMC. Having joined the financial services industry after completing a physics degree, Scott Taylor has over 30 years of experience and has established a wide-range of expertise as a Chartered Financial Planner. Scott is principally involved in client relationships, practice management and business development. Scott specialises in investment strategies and retirement planning. Contact Scott directly at: scott@brilliancefp.com. Duncan provides technical...

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Investing and Risk

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This page includes some of the good reasons for making investments into 'funds' run by 'fund managers' on behalf of the investors. Another advantage of pooled investment is being able to diversify. The value of investments may fall as well as rise. You may get back less than you originally invested. Citywire Money: Latest News. Article 50 fears take shine off solid week for pound. Investment Trust Watch: tiny Aurora's big 'discount'. Shell and BP can't keep up with oil bulls. FTSE edges higher on Fed’s m...

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About Pensions

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Pensions are, of course, designed to enable you to save sufficient money during your working life to provide an income stream for you to live comfortably after you have retired. There are many different 'tools' used to save for retirement and the taxation and investment elements of pensions can appear baffling. We specialise in explaining, recommending and monitoring pensions for you. Below are the most common sources of pension to fund for your retirement. Single Tier State Pension. Ndash; there are now...

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Retirement Income Options

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Your Options At Retirement. From age 55, there are a number of options available to you including:-. Draw your benefits available from the existing provider. Purchase an annuity with a different provider on the Open Market. This could potentially increase the payments to you. Move to Flexi-access Drawdown (or Third Way Plan). Use the Uncrystallised Fund Pension Lump Sum (UFPLS) rules. Move to Phased retirement. Move to a combination of the above. Draw your benefits from your current scheme. You are able ...

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Policy

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Cookies are used on our site to ensure that we give you the best experience on our website. If you continue without changing your settings, we’ll assume that you are happy to receive all cookies on our website. Some cookies are essential so you can move around the website and use its features. Without these cookies, some services you've asked for can't be provided. These cookies don't gather information about you that could be used for marketing or remembering where you've been on the internet. These ena...

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Income Protection

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This policy is designed to provide an income in the event the insured individual is unable to work due to ill health. The level of premium will depend upon the amount of benefit and term selected and most policies cease to pay the benefit once the insured is able to return to work. Income Protection policies are usually written to retirement age or 60 if earlier. Accident, Sickness and Unemployment (ASU). Citywire Money: Latest News. Article 50 fears take shine off solid week for pound. Pensions need man...

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Advanced Pensions

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In recent years the pensions industry has become more advanced in terms of the flexibility of investments available and the structure of the actual pension arrangements. It is an area of constant change and you should consult us/me regularly to make preparations for a secure and enjoyable retirement. Self Invested Personal Pensions (SIPPs). The benefits of using a SIPP include being able to invest in:. Stocks and shares listed or dealt on an Inland Revenue recognised stock exchange, including AIM. Invest...

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Personal Pensions

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Personal and Stakeholder Pensions. Personal Pensions represent a popular and attractive way of saving for your retirement. All monies invested into your fund grow free of capital gains tax, and the contributions you make are enhanced by income tax relief at source. For example if you invest £80, the government adds on tax relief (currently 20%) to enhance your contribution to £100! Stakeholder pensions are similar to personal pensions but have their charges capped at 1.5% for the first 10 years reduc...

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Savings and Investments

http://www.b-fp.com/Savings_and_Investments/Savings

Why are we encouraged to save money? From childhood most of us are told to put away money to save for the future - perhaps for something special? Or perhaps to be sure that when we really need something we have the funds to acquire it, without taking on debt? Whether you place your money in a piggy bank, or in a multinational investment house, our aims are broadly the same; to provide for our future needs, and to protect ourselves against unexpected causes of expenditure. Citywire Money: Latest News.

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Business Protection

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Keyperson / Shareholder / Partnership Protection. If a shareholder were to pass away, the firms remaining shareholders or directors may want to purchase the deceased’s shares from their estate promptly to maintain control of their business. The same scenario also applies to partners in a firm. Citywire Money: Latest News. Article 50 fears take shine off solid week for pound. Investment Trust Watch: tiny Aurora's big 'discount'. Shell and BP can't keep up with oil bulls. Brilliance Financial Planning Ltd ...