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Disappearing Dentistry

The hot topic of falling NHS dental statistics has hit the news again with headlines of Dental System 'Failing Patients' (Sky News) and Abscess rise 'amid dental crisis' (BBC News) to name a few.

FAQ's

Q: Why should I seek Independent Financial Advice?

A: An Independent Financial Adviser (IFA) can give you advice from the whole of the market and will not be linked or tied to any one insurance company. They will be able to offer you a choice of fee or commission and provide solutions across all financial areas.

Q: What is the advice going to cost me?

A: The initial fact finding meeting with one of our highly qualified and experienced Independent Financial Advisers will not cost you anything. If you wish the relationship to proceed further and implement the recommendations made then a mutually agreed fee structure will be put in place.

Q: What qualifications and experience do your Independent Financial Advisers have?

A: All of our consultants have the minimum of the full FPC (Financial Planning Certificate -now called the Cert FP - Certificate In Financial Planning) with many also having achieved the full AFPC or credits towards it. Between them they have many years industry experience. Their business card will show their accreditations and you can check their status on the register section of the FSA website.

Q: I have read that more people are now affected by Inheritance Tax due to the rise in property prices. Is my estate going to be liable to Inheritance tax?

A: Inheritance Tax (IHT) only applies if the taxable value of your estate when you die is above £285,000. (2006/07 tax year) There are a number of financial planning measures that can be taken to mitigate IHT and there are also a number of exemptions which allow you to pass on amounts (during your lifetime or in your will) without any Inheritance Tax being due. This is an area we would be pleased to advise you on.

Q: My husband and I have been investing in PEPs and then ISAs for a number of years. We get sent lots of paperwork at different times and we can’t really understand what we’ve got. Can you help?

A: Yes. Beckett Asset Management offers a PEP & ISA review service. By simply filling in the form and transferring the agency to us we can obtain details of all your funds, provide you with a review and offer you a consolidated recommendation - and it doesn’t cost you anything. Please contact us to find out more.

Q: My accountant has told me I should make more use of my CGT allowance. What exactly is this?

A: CGT stands for Capital Gains tax. This means that for the 2007/08 tax year each individual is allowed to make gains of £9,200 on their investments before paying tax. Any gain you make over this amount will be added to your taxable income and charged at your marginal or top rate of Income Tax. As with your ISA allowance, if you do not use your CGT allowance, you will lose it, as any unused allowance cannot be carried forward.

We are authorised and regulated by the Financial Services Authority. For further details please visit our regulatory page

The Beckett Investment Management Group

Dettingen House, Dettingen Way, Bury St Edmunds, IP33 3TU
Tel: 01284 754500 | Fax No: 01284 773701

Knightsbridge House, Lower Brown Street, Leicester, LE1 5TH
Tel: 01162 756181 | Fax No: 01162 494435