Many people are unaware that in the event of a premature death and the absence of a valid will, the laws of Intestacy apply to the distribution of any assets of the deceased. As the law distributes assets with no knowledge or interest in the circumstances that apply, it is highly likely that the potential beneficiaries will be disadvantaged by the asset distribution imposed.
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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Pension freedom has placed the issue around drawing an income from a fixed fund onto centre stage. The nature of retirement suggests that there is no more capital to be added, so what is there has to be nurtured to the end, whenever that may be. Although the starting fund size may seem large, this can disappear quickly, like bathwater after the plug has been pulled.

The last few years have seen the rise of "direct" insurance propositions from underwriters wanting to get closer to their clients and hopefully removing some of the inefficiencies from the market. This innovation has now extended to other parts of the insurance market, encompassing an innovative protection product written around breast cancer.

Martin-Redman Partners discuss the implications of a new era of pension freedom.

Investing for the private individual has changed considerably in the last 10-15 years, but the impact of these changes is not well known in self-investor circles, as the mainstream press seem to concentrate on stock picking, rather than the best way to hold and administer investment assets. Regulatory pressures have also had an impact, with changes in the disclosure of charges and a reduction...

“Losing weight or keeping fit requires the same self-discipline as saving,” said an article originally published on The Spectator website entitled “The real point of a financial adviser is to save you from yourself”. Its author, Louise Cooper, compared financial advisers to personal trainers...

Anyone who owns property or has children should have a will and lasting power of attorney in place, says Martin-Redman Partners.

There has been a great deal of fuss in the press about April’s pension freedoms, but rather less about final salary pension schemes, sometimes known as defined benefit schemes, until this Saturday, when The Telegraph and the Yahoo financial website provided articles.

The trade papers for financial services have announced that the Pension Wise service has now been launched and is looking for feedback. If you do a Google search, there are two significant entries.

Headlines in the Guardian and on some of the financial papers state that a number of Premiership footballers, both current and recently retired, are facing bankruptcy and personal ruin as HMRC seek to recover tax due on investments made in the UK film industry.

With interest rates still showing little likelihood of rising for retail savers, like most of us using the high street, what do we do to make the best of what is available? Leaving money in an old bank account is not a good plan as banks, almost without exception, do little to encourage you to get more interest on your money.

Taxpayers with complex affairs or the retired with multiple incomes from different sources are likely to be under or overpaying tax where tax offices have not joined the dots between the individual and their incomes. Taxpayers are under a number of obligations they may not be aware of!

Without professional financial advice, translating a proportion of your annual income to long term wealth is fraught with difficulty. It is easy to be side-tracked by following fashionable investments, concentrating on the short term or just plainly making the wrong decision!

The major reforms in the way pension funds can be turned to capital and income for retirement have now reached the mainstream media with a Channel 4 Dispatches programme featuring the 68 year old Michael Buerk. Martin-Redman Partners looks at some of the implications in the press and from the programme.

The treatment of equity partners of LLPs needs to be examined by anyone who has to set up an auto-enrolled pension scheme, following a change in interpretation in case law. Getting it wrong could be awkward and expensive, so good, timely advice is almost essential.
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