Complete Financial Planning UK

30/04/2024

One of these two is a brute of an animal, has the look of a killer but the sentiment of a puppy. The other is his pet Bulldog.

Meet the Team Tuesday: This Week, Meet Louis!

This Tuesday, we spotlight a member of our incredible team. We’re excited to introduce you to our very own ex-serviceman Louis, a distinguished Level 4 qualified Independent Financial Adviser and mortgage adviser.

Louis's approach to financial advising is deeply rooted in communication and client focus, ensuring that every interaction is tailored to individual needs and goals.

Louis's previous life was with the Royal Engineers, where he received numerous high-level awards during his 12 years of service. Over many tours he saved countless lives as he scanned and decommissioned landmines. This exemplifies his dedication and precision.

Beyond his professional pursuits, Louis has a keen interest in the property market, leveraging his experience as a property landlord to provide insightful advice on investments.

Outside of finance, Louis’s passion extends to boxing, where he not only enjoys the sport but also contributes as a Level 1 boxing coach. In his downtime, Louis loves spending quality time with his fasmily including their bulldog Reggie, exploring the beautiful countryside.

We’re proud to have Louis as part of our team, where his expertise and enthusiasm make a significant impact daily.



https://www.linkedin.com/feed/update/urn:li:activity:7191052615433011200

18/04/2024

Celebrating 13 Years of Partnership with Age Concern Eastbourne!

This month, we're thrilled to mark 13 years of dedicated support to Age Concern Eastbourne. Throughout this time, our incredible team has committed to volunteering 3 hours each month, contributing to over 500 bespoke, one-on-one financial advice sessions—completely free of charge—for those who need it most.

We're proud to make a meaningful impact in our community and grateful for the opportunity to assist Age Concern's remarkable clients.

Complete Financial Planning UK

05/03/2024

Can we reduce income tax to £0?

As promised, our first of five articles focusing on maximising tax efficiency. Today we unveil the often-overlooked UK government tax incentive, Venture Capital Trusts (VCTs).

Income Tax Relief:
Currently, individuals can claim income tax relief at a rate of 30% on investments subject to conditions. An investment of £10,000 gives the investor £3000 off their tax bill.

Tax-Free Dividends:
Unlike many other investments, dividends received from VCTs are entirely tax-free. For higher-rate and additional-rate taxpayers, this can result in substantial savings.

Capital Gains Tax (CGT) Exemption:
Any capital gains realised from the sale of VCT shares are exempt from CGT. This provides investors with further incentive to hold onto their VCT investments for the long term, allowing their capital to grow tax-free.

Significant Savings:
The combination of these tax advantages can lead to significant savings for investors. For example, an investor who maximises their income tax relief by investing £200,000 in a VCT could effectively reduce their tax liability by £60,000 (30% of £200,000). Tax-free dividends and CGT exemption can further enhance overall returns, making VCTs a compelling proposition for tax-conscious investors.

Venture Capital Trusts are publicly listed companies that invest in a portfolio of small, unlisted companies. These companies are typically at an early stage of development and have high growth potential. By investing in VCTs, individuals indirectly invest in these smaller enterprises, thereby supporting innovation and economic growth.

Risks and Considerations:
VCT's are higher-risk investments. Investing in smaller, unlisted companies carries inherent risks, including the potential for capital loss. VCTs may be subject to liquidity constraints, meaning that it may be challenging to sell shares at the desired time or price. Investors must carefully assess the risks and suitability of VCTs for their investment objectives.

In summary, VCTs can enhance returns while minimising tax liabilities for those willing to accept higher risk. Professional financial advice is advised to ensure alignment with overall financial strategy and goals.

Disclaimer: Information provided in this article is for educational and informational purposes only and should not be construed as financial advice. Investing involves risk, including the potential loss of capital. Before making any investment decisions, it is important to consult with a qualified financial advisor or investment professional who can assess your individual circumstances and provide personalised advice tailored to your specific needs and goals.

www.cfp-uk.com
[email protected]
07414262676

Complete Financial Planning, Independent Financial Advice, Eastbourne, Sussex

16/02/2024

🌟 Unlock Tax Savings: Maximising Your Tax Efficiency 🌟

As the tax year draws to a close, it's time to explore opportunities for maximising your tax efficiency and saving money on your tax bill.

📆 Over the next five weeks, are launching a special series of articles dedicated to helping you unlock significant tax savings through strategic investments. Each week, we'll delve into a different aspect of tax-efficient investments, showcasing how they can benefit you personally and financially.

A glimpse of whats in store:

1️⃣ Week 1: Venture Capital Trusts (VCTs): Reduce your personal tax bill to £0?? Discover how investing in VCTs can not only support promising early-stage businesses but also provide you with valuable tax relief of up to 30% on your investment.

2️⃣ Week 2: Inheritance Tax Planning (IHT): Reduce your beneficiaries liability to £0?? Ensuring that your hard-earned wealth is preserved for your loved ones instead of being eroded by taxes.

3️⃣ Week 3: Pensions: Explore the tax advantages of contributing to a pension scheme, including tax relief on your contributions and tax-free growth on your investments, helping you build a comfortable retirement nest egg while reducing your tax burden now.

4️⃣ Week 4: Tax-Efficient Investments: Discover a range of other tax-efficient investment options, such as ISAs and EIS, and how they can help you grow your wealth while minimising your tax liabilities.

5️⃣ Week 5: Family Investment Companies (FICs):** Explore the benefits of establishing an FIC as a tax-efficient vehicle for managing family wealth, transferring assets, and facilitating intergenerational wealth transfer while retaining control and flexibility.

By taking advantage of these tax-efficient investment opportunities, you can not only save money on your taxes but also build a stronger financial future for yourself and your family.

Stay tuned for weekly updates and insights as we uncover the secrets to individual tax efficiency. Whether you're a seasoned investor or just starting your journey towards financial security, these articles will provide you with valuable knowledge and actionable tips to help you navigate the complex world of taxes and investments.

Follow our page and join us each week as we embark on this tax-saving journey together!



Information provided in this article is for educational and informational purposes only and should not be construed as financial advice. Investing involves risk, including the potential loss of capital. Before making any investment decisions, it is important to consult with a qualified financial advisor or investment professional who can assess your individual circumstances and provide personalised advice tailored to your specific needs and goals.

If you cannot wait or have any questions, contact us now:
www.cfp-uk.com
[email protected]
07414262676

Complete Financial Planning, Independent Financial Advice, Eastbourne, Sussex

27/06/2023

Very proud to say that it was an all Complete Financial Planning UK final in the first BID Eastbourne tennis tournament today, in support Of St Wilfreds Hospice.

16/03/2023

It turns out that the budget pension changes are not quite as good as they seem. The guaranteed 25% tax free cash has gone.

Complete Financial Planning, Independent Financial Advice, Eastbourne, Sussex

31/08/2022

Our friend in the city gives us a text morning update every so often and with the current volatility we are going to start sharing them here. The latest update from his observations: "Morning all, back to work for me today so here’s your market update. 50bps priced in for September and a 75bps increase in base priced for November. 2 year swaps spot is 3.99% with increases across the board. No key events in the UK today, eurozone unemployment day tomorrow could be interesting. Brent crude continues to trade at just below $97 a barrel."

17/08/2022

If your remortgage is due in the next 6 months it is essential that you address it ASAP to get a new rate. It is going to get worse. PLEASE contact your CFP adviser.

26/08/2021

A very well written article all about the hard work our advisor Louis did to get into the industry.

https://www.libf.ac.uk/news-and-insights/insights/detail/2021/08/26/career-story-studying-to-be-a-financial-and-mortgage-adviser.

Louis Goacher, talks about studying professional qualifications on active military duty and why he did both CeMAP and DipFA.

11/06/2021

A wonderful thank you gift from a wonderful and happy client. 😊😊