Jon Clarke of Martin-Redman Partners is competing for Great Britain in the World Triathlon Championships in Laussane, Switzerland in August 2019. He's offering companies sponsorship spaces on his GB kit .
Martin-Redman Partners

We provide independent financial advice on investments, pensions, inheritance tax planning and protection. We work with private individuals, businesses and professional introducers, such as accountants and solicitors, to ensure our clients financial advice needs are met.
We are a team of experienced Independent Financial Advisers (IFAs) advising on your Individuals and Buinesses on their financial arrangements. We have been building trusted relationships with clients for many years by offering expert tailored financial advice, specific to your situation, to allow you to make an informed decision about the best route forward. www.martin-redmanpartners.co.ukWe provide independent financial advice to Businesses:
- Directors Pension Schemes (SIPPs/SASS)
- Employee Pension Schemes (Auto-enrolment)
- Employee Benefit Schemes (Death-in-Service, Private Medical Insurance, Income Protection, Critical Illness Cover)
- Key Person Insurance
- Shareholder Protection
- Business Protection
And to Individuals:
- Personal Investments (ISAs, Investment Bonds, Unit Trusts & OEICs)
- Pensions and Retirement Planning
- Estate Planning
- Protection; Life & Critical illness Cover and Income Protection
Read more about our Independent Financial Advice services www.martin-redmanpartners.co.uk or contact Sarah Austin.
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Sarah Austin of Independent Financial Advice firm Martin-Redman Partners comments on pensions for children, and some of the benefits and drawbacks they bring.

Jon Clarke of Independent Financial Advice firm, Martin-Redman Partners, is raising money for East Anglia's Children's Hospices, which relies heavily on public donations. Bid to display your company logo on Jon's GB kit at the World Triathlon Championships and help him reach his £5,600 fundraising target for this charity which does incredibly valuable work.

Sarah Austin of Martin-Redman Partners discusses how Brexit may impact you and the wider economy in this period of extended uncertainty.
Minimum workplace pension contribution levels are increasing this month; so you may see less in your pay cheque. The auto enrolment minimum is now 8% of your qualifying earnings; of which at least 3% must be paid by your employer with the balance from you (up from 5% with a minimum of 2% being paid for by your employer). But what are the benefits of your Workplace Pension? Read on to find out...

The politicians are treating long-term care costs as a “solved” problem following the Dilnot Report and the Care Act 2014. Unfortunately, the headline measure, a cap on care costs of £72,000, (at 2016 prices), was kicked along to April 2020, so we have entered into a period of muddle and half-cut solutions, says Martin- Redman Partners.

The last article covered the pension income choices offered by defined contribution, (also know as money purchase schemes), which embraces all of the choices offered by Pension Freedoms from April last year.

Pension Freedoms has made a dramatic change to the options at retirement, so now is a good time to review the options.

Businesses and the owner/managers of businesses should makes themselves aware of the consequences of various unfortunate events happening and have measures in place to minimise the effect. The death or incapacity of directors or key members of staff can be mitigated, at least in part by the provision of life insurance before the event.

Martin-Redman Partners writes - I have just had a reminder that utilities companies are happy to take loyal customers “for a ride”, as a little shopping around has secured a 30% reduction in energy bills and a significant reduction in the monthly “budget” price of energy throughout the year.

At present there is much noise and fury about fat cats and foreign corporates avoiding tax. The law in the UK is unusual in Europe as legislation defines what is illegal and any activity not mentioned specifically is, by default, legal.

Unless you are actively involved in the financial services field it is unlikely that you are aware that our political masters have decided that it is not enough to restrict the amount you can pay into a pension scheme year by year, but that your total accumulated funds are restricted as well. This restriction, the Lifetime Allowance, is being reduced from £1.25Million to £1Million in April...

Outside of the world of financial services there does not seem to be a personality cult for the investment manager, but Neil Woodford could be an exception. However, even the best of the active managers have a digital competitor that in right market conditions can and often has out-performed the recognised stars.

Pension Freedoms and the almost complete demise of final salary or defined benefit pensions in the private sector have massively increased the dangers of lousy pension outcomes for people not actively reviewing their pension choices.

In the last week or so, the press has been making a fuss about how the Pension Freedoms are actually panning out. To put this in context, George Osborne has confirmed in Parliament that some 60,000 savers have withdrawn about £1Billion from their pension pots since April.

Life is rather complicated for the consumer in the UK today. Many of the old assumptions do not seem to hold true anymore. Many people, the retired especially, keep hold of cash as it is 'safe', with little thought about what safe means to them.

Now that pension freedoms are with us, Martin Redman Partners say they have had a few inquiries about cashing in old defined benefit (final salary) schemes and transferring the money into a drawdown plan.

One of the ideas floated by Steve Webb around the time of Pension Freedoms, was the ability to sell your annuity to a provider for a cash lump sum.

Back in the early days of protection insurance there was just life cover, which paid out only on death. The rise of the self-help movement in the Victorian era and the development of Friendly and Industrial and Provident Societies brought the development of income protection policies, to replace earned income when the insured could not work.

Income protection seems to be the Cinderella of protection policies, with most commentators concentrating on life cover. This is absurd as death is unlikely during your working life; being unable to work through illness or accident is much more common and a specific type of protection insurance has existed since the late Victorian era to address it.
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