Case Studies

28 March 2024

Case study - JISA and ISA savings for 16 to 18 year olds - new transitional rules for those aged 16 on 5 April 2024
How much can be saved in Junior ISAs and ISAs for those aged between 16 and 18. How this will change from 6 April 2024

13 March 2024

CGT on property sales & EIS investments - a case study
The CGT on the sale of a UK residential property, by a UK resident, which must be paid within 60 days of completion of the contract. This needs to be taken into account when making EIS investments to defer the payment of CGT

07 March 2024

Using pension contributions to reduce bond tax
Tax on chargeable event gains. How a pension payment, in certain cases, can reduce or eliminate the tax charge on a chargeable event gain

21 February 2024

Case study: should a client top up their existing bond or take out a new bond?
When a client holds bonds as part of their investment portfolio and has more money to invest, is it wise to top up an existing bond or should you advise them to take out a new bond. All of the things you ought to consider when you are asked this question by your clients

14 February 2024

Case study: alternative wrappers in retirement
Other ways to provide a regular payment stream in retirement as an alternative to the traditional pensions that lots of clients rely on when they retire and why bonds can be a useful part of your client’s portfolio in planning for retirement

19 January 2024

IHT benefits of setting up a loan trust - case studies
How a loan trust could be a suitable estate planning solution for those who are unsure whether or not they require access or wish to make a gift.

04 January 2024

Case study: taking money out of international bonds?
The consequences of exceeding the 5% cumulative allowance or surrendering segments of an international (offshore) bond

20 November 2023

Case studies: maximising the use of your client's personal allowances
How to apply personal allowances in the correct and most tax effective way

16 November 2023

Tax relief for personal pension contributions (self-employed) - a case study
The criteria for tax relief to be given for a self-employed individual paying into a personal pension and how that tax relief works

10 November 2023

Case study: bonds, what are excess events and are they always bad for clients?
Bond taxation and partial withdrawals. The consequences of exceeding the 5% cumulative allowance on an onshore bond