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1 prosperfinancial@btinternet com
2 about us
3 protection
4 about protection
5 life protection
6 income protection
7 business protection
8 mortgages
9 mortgage basics
10 mortgage products
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prosperfinancial.co.uk prosperfinancial.co.uk
1

Pensions Simplification

http://prosperfinancial.co.uk/Pensions/Pensions_Simplification_1

What are your duties? When do you need to act? Lsquo;A’ Day (the Appointed day) arrived on 6th April 2006 and brought with it sweeping and radical changes in relation to pension legislation. This has created a single universal regime that replaced the previous eight tax regimes and the changes affect all savers in occupational and personal pension schemes, employers and financial advisers. Early retirement age available from age 55. Up to 25% Tax Free Cash. In addition another raft of changes introduced ...

2

Auto-Enrolment Lowering Costs

http://prosperfinancial.co.uk/Auto-Enrolment/Lowering_costs_1_1

What are your duties? When do you need to act? Salary sacrifice (or exchange). This is a government-approved process that's been used by many large employers. In short, by reducing the employee’s salary by the amount of their pension contribution, national insurance contributions aren't payable on the amount of salary given up or ‘exchanged’. Both you and your employees are better off as a result. Take a look at how much you could save:. Annual Employer Pension Cost Savings. Citywire Money: Latest News.

3

Income Protection

http://prosperfinancial.co.uk/Protection/Income_Protection

What are your duties? When do you need to act? 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. Overnight Markets: Wall ...

4

Independent Advice

http://prosperfinancial.co.uk/Independent_Advice/IndependentAdvice

What are your duties? When do you need to act? What is Independent Advice? Independent advice is not the only option available. If you go to your high street bank you may be greeted by a financial adviser, but they could well be ‘tied’ to recommending and promoting the products of the bank, or a single insurance/investment company to which the bank has an allegiance. So why do we need independent advisers, and how can customers be sure they are getting a fair deal? The Financial Conduct Authority (FCA).

5

Mortgage Calculator

http://prosperfinancial.co.uk/Mortgages/Mortgage_Calculator

What are your duties? When do you need to act? Please note these figures are only a guide and the exact amount you will pay will depend on the type of mortgage and any additional fees charged by the lender. We therefore recommend you obtain advice before committing to any mortgage. As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments. Citywire Money: Latest News. Personal Assets: tales of a thoroughbred investment. Buy, sell, hold: take profits...

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