There are a few issues to unpack when dealing with this question. Firstly the government has announced that with effect from 6 April 2027 pensions will be included in your estate for Inheritance Tax when you die. If you are married or in a civil partnership then your pension will pass tax free to your […]
Is a Short Term Annuity a way of Avoiding Inheritance Tax on my Pension? Read More »
Last year, a new client came to us feeling overwhelmed by her pension. She’d lost faith in her previous advisers, especially after they invested a significant portion of her funds shortly after her divorce, which left her with a substantial mortgage debt. We uncovered several significant problems with her previous financial advice. Firstly, she was
Helping Vulnerable Clients Read More »
Some clients work very hard for many years and create businesses that they later sell for large sums of money. We work with several clients that fall into this category. It’s easy to assume that these very hard-working and intelligent people are all money experts, but that’s a common mistake that is often made. They
Helping High Net Worth Clients Read More »
We have a client PM and his wife FM and on 18th January 2019 he took out decreasing life and level term critical illness cover for him and his partner so that if either of them died or suffered a critical illness they would receive compensation. The decreasing amount matched their mortgage of around £130,000 but
The Power of Protection – A Real Life Example Read More »
Lazenbys Financial Services Ltd are authorised and regulated by the Financial Conduct Authority. Lazenbys Financial Services Limited are entered on the FCA register under reference 811996.
Lazenbys Financial Services Ltd. Registered in England and Wales, under no. 08241393. Registered office address – 1st Floor Stable Mews, Beechwood Estate, Elmete Lane, Roundhay Leeds LS8 2LQ. The Financial Conduct Authority does not regulate on Estate, Tax, or Trust Planning. The value of pensions and investments can fall as well as rise, you may get back less than you invested. If you are unhappy with our service: if you have a complaint about your adviser, or any financial advice you have received from your adviser, please contact us: Lazenbys Financial Services Complaints Department, 1st Floor Stable Mews, Beechwood Estate, Elmete Lane, Roundhay Leeds LS8 2LQ. Email: [email protected]. Tel: 0113 322 0700. If you wish to register a complaint, please write to or telephone Alan Lazenby, Managing Director of Lazenby’s Financial Services on 0113 322 0700 or 07545786730. A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 023 4 567. View our privacy policy here.
