London Office: 020 3755 3235 | Ipswich Office: 01473 384 858 | Email: enquiries@swallow.financial
Financial Planning Document Library

Below you will find a large collection of Swallow Financial's documentation.

The world of finance is often unfathomable. It is therefore paramount that the client is not only confident in their adviser’s planning, but they can also see the broader picture.

The following documents are designed as generic explanations of what can be highly complex issues. Do call or email our office if you need any further help.

Use the filters on the right to help find the information you are after.

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Report Assumptions

Categories: Financial Planning > Investment Planning

There is a huge amount of analysis which goes into any letter or report we produce. Rather than include reams of explanation on each enclosure these notes try to explain the reasoning behind our calculations.


What is The Lifetime ISA?

Categories: Financial Planning > Investment Planning

The new LISA is becoming an attractive savings vehicle particularly for the better off however beware the pitfalls of early encashment.


Investment Wrappers Explained

Categories: Financial Planning > Investment Planning > Pensions

This note is designed to emphasise our reasons for placing specific types of funds into the different tax wrappers. If you want to know the full tax treatment of any wrapper please let us know.


Tax Allowances

Categories: Estate Planning > Financial Planning > Investment Planning > Later Life > Tax Planning

There are many different tax concessions and allowances which we try and maximise as party of our service. Not every client can benefit from all allowances however in our review reports for clients we do advise of any missed opportunities.



Private Residence Relief Basics

Categories: Tax Planning

One of the most often asked questions we receive is how to mitigate capital gains tax (CGT) on second homes. The following is a brief synopsis of our understanding of PPRR and how it can help clients to save tax. We have more detailed notes from outside experts for those who want additional detail.


What Is The Residential Nil Rate Band?

Categories: Tax Planning

The Residential Nil Rate Band (RNRB) is one of the most cack-handed bits of legislation we have seen in many a year. The following notes are our attempt at explaining the requirements to obtain the benefit.


IHT & Pensions

Categories: Estate Planning > Financial Planning > Later Life > Tax Planning

Recent changes to the rules for pensions have radically changed the approach of advisers with regard to pension savings. The following notes are designed to give our current views of the options available to you.


IHT & The Family Home

Categories: Estate Planning > Financial Planning > Later Life > Tax Planning

It is not unusual for the family home to be the biggest asset within an estate. The following notes are designed to explain some of the options available to reduce the tax burden on your property. We are not estate planning experts so these notes should be seen as a catalyst for you to get expert advice from a tax barrister or specialist lawyer.


The 14 Year IHT Trap

Categories: Estate Planning > Financial Planning > Later Life > Tax Planning

Most people are aware of the fact that if you make a gift in the UK and then live for more than 7 years then that gift will fall out of your estate. What is less well known is that if you make more than one gift and you die within 7 years of the last gift then Inheritance Tax (IHT) may well be due on some or all of your gifts.


Basic Inheritance Tax Planning

Categories: Estate Planning > Financial Planning > Later Life > Tax Planning

We utilise specialist lawyers for inheritance tax (IHT) planning and planning relating to the use of the marital home within estate preservation arrangements. Dealing with capital gains tax (CGT) on anything other than the simplest scheme requires the services of an expert accountant.


Changes to Lifetime Allowance

Categories: Pensions

Due to the TTFAC, requirements providers will not agree to RBCE events without written proof of any past crystallisation events. This will cause delays and significant additional work when any client wishes to take pension benefits.





News

The latest news from Swallow Financial Planning and the financial industry

Changes to Lifetime Allowance June 27, 2024

Due to the TTFAC, requirements providers will not agree to RBCE events without written proof of any past crystallisation events. This will cause delays and significant additional work when any client wishes to take pension benefits.

Fixed Rate or Index Linked Bonds May 16, 2024

Stick or Twist? With inflation on everyone's mind, this article aims to consider the difference between Index-Linked & Fixed Rate bonds....

Financial Update April 2024 April 19, 2024

Financial update April 2024

Financial update April 2024 The tax year is at last at an end, and we can start to review an exciting election year!...

Swallow Financial Advice Newsletter

The latest news from Swallow Financial Planning and the financial industry