Our 2nd Annual Client Review Seminar!

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Saturday, 23rd April 2016 marked our 2nd Annual Client Review Seminar, this is one of the most popular days in the Redwood diary as some of our valued clients come together for a day of review and planning for the year!

During the seminar we take Clients through important updates in the Financial and Estate Planning arena. Key highlights are the Budget analysis and commentary, making sure all of our Clients are kept well informed of any rule changes as a result of the Chancellors announcements.

This year, the common hot topics to update everyone on, was the continued changing face of ISA ‘s. For many people, ISA’s represent a fantastic, tax efficient investment tool and over the last few Budgets we have seen more and more generous allowances and increased flexibility with this investment product; including the introduction next year of the Lifetime ISA for under 40-year-olds.

We also spent some time talking about important changes to Pensions not just the new Pension flexibility rules, but also the proposals to introduce a second-hand Annuity Market and the implications of that, for our existing Clients who have already purchased an Annuity. We also spent time updating everyone on the changes to the Pension Lifetime Allowance which could have significant negative tax implications for those individuals with generous Final Salary Schemes or high-value Personal Pensions.

We then moved onto a favourite topic of ours, Inheritance Tax Planning. We explored with attendees the idea of using Pensions as an effective Inheritance Tax Planning tool, bearing in mind the changes last year to Pension death benefits, as well as the new Residential Nil Rate Band allowance, which is coming into effect from April next year, which may not be all it’s cracked up to be!

Finally, possibly one of the most topical issues was that of changes to buy to let taxation and the attack on landlords by the Government at every level. The position on Income Tax, Stamp Duty Land Tax, Capital Gains Tax and Inheritance Tax have all become worse for landlords as a result of the last two Budgets and we addressed all of these taxation changes, as well as three possible solutions to those landlords wanting to try and reduce tax on their property portfolio or options for the individuals who are deciding to come out of the buy to let market altogether.

After all the updates on these legislative changes it was time for some all-important tea and cake!

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Once everyone was fed and watered the real work began!

The second half of the Annual Review Seminar is dedicated to helping our Clients set personal goals for 2016. I believe, what we do at Redwood goes beyond just simply how much money we can make for a Client in their Investments and Pensions; it is what an individual does with the wealth that they build over time that really matters! So a good part of the session is spent encouraging our Clients to set themselves personal achievements for the year, we had some wonderful personal goals which included a once-in-a-lifetime holiday to Thailand, buying a new car, renovating the family home and even improving their golf handicap!

Personal goals now set, attendees were then asked to turn their attention to their Financial and Estate Planning goals for 2016. What planning was important to them for this year, so we could make sure that we help all of our clients have the most up-to-date and relevant planning in place.

I was also delighted to give all of the attendees a personal copy of our Book of the Year which is the Road less Travelled by M. Scott Peck. It is a great book about life, love, relationships and how to live a happy balanced life with no regrets!

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All in all it was a great day and I loved seeing so many of our Client’s and catching up with them, as well as seeing all of the amazing things that they are planning to achieve in 2016.

For all those Clients who couldn’t attend the Annual Review Seminar this year, don’t worry, a copy of the slides from the seminar will be included in this month’s Private Client Newsletter!



Your capital is at risk. Investments can fluctuate in value and investors may not get the amount back they invest. Past performance is not a guide to future performance. Tax rules can change at any time.

 Please remember your home or property may be repossessed if you do not keep up repayments on your mortgage.  We give clients the option to pay for mortgage advice by fee rather than commission. Equity Release refers to lifetime mortgages. To understand the features and risks, ask for a personalised illustration.

 The Financial Conduct Authority do not regulate, Will Writing, Buy to Let Mortgages, Auto Enrolment, Tax Advice and Estate Planning.

 The opinions contained within this blog, do not constitute financial advice and no action should be taken based on this content alone.

Jasmine has been a qualified Financial Planner since 2008. She has also been a member of the Society of Will Writers since 2012. She is passionate about helping Clients build their wealth and achieve the financial lifestyle they desire. Her areas of expertise are that of Savings, Investments, Pensions and Retirement Planning.

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Redwood Financial Family Wealth & Estate Planners Ltd is Directly Authorised and regulated by the Financial Conduct Authority. FRN number 774469.

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The Financial Conduct Authority do not regulate, Will Writing, Buy to Let Mortgages, Auto-Enrolment, Tax Advice and Estate Planning. Your capital is at risk. Investments can fluctuate in value and investors may not get the amount back they invest. The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK. https://register.fca.org.uk/

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Telephone: 01489 877547
Email: info@redwoodfinancial.co.uk

Company information

Redwood Financial Family Wealth and Estate Planners Ltd Company Number: 08926661
Registered Office Address: Wellesley House, 204 London Road, Waterlooville, Hampshire,