• Piggy Bank

    Wise Investment Plans

    No need to break the piggy bank savings, investing wisely can secure your future and your families, discuss with Forty One Consulting about the different investment options we have available.

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  • Pensions

    Retirement Options

    Retirement planning has always been complicated and, despite efforts to simplify matters in 2006, it unfortunately remains so. At Forty One Consulting we pride ourselves on making our clients more at ease with the complicated system to provide you with the best advice we can.

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  • Protection


    Finding the right protection is difficult to do, at Forty One Consulting we can walk you through the different options and find the perfect protection plan to suit your needs.

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  • Frequently Asked Questions

    Frequently Asked Questions

    With the introduction of more flexible ways to access your Pension from April 2015, we are constantly being asked more questions.

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13th April 2016

Lifetime Allowance

From 6th April 2016, the Lifetime Allowance for pensions will reduce from £1.25m to £1m.  This may still sound like a very generous allowance but it can be surprisingly easy to breach. So what exactly is the Lifetime Allowance (LTA)?  In essence, it caps the amount you can withdraw from pension funds without triggering an extra tax charge.  Any pension funds... Read full article

17th March 2016

Budget - March 2016

Key announcements included: The unveiling of a lifetime ISA to help young people save flexibly either for a first home or for their later years.  The total amount you can save each year into all ISA's will increase to £20,000 from April 2017. The point at which you pay the higher rate of income tax will increase to £45,000 in April 2017. Corporation... Read full article

25th January 2016

Keep Calm and Ride Out Market Volatility

But there is nothing new in its assessment to cause such a 'hysterical' call to action.  Yes it has been quite a turbulent start to the year on global markets, but calls to 'sell everything' are absurd and should be viewed with caution by investors. The risk of market corrections of 10%, or even more severe falls of 20%, represent the... Read full article

17th August 2015

Topping up State Pension

Class 3A is a new voluntary type of National Insurance Contribution (NIC) that is being introduced from 12 October 2015.  Broadly, between then and 5 April 2017 certain people will be able to make a contribution to top up their State Pension by up to £25 per week. Men born before 6 April 1951 and women born before 6 April 1953... Read full article

30th July 2015

Summer Budget 2015 - Personal Allowances Overview

The Chancellor announced that the increase to £11,000 will in fact be brought forward to 6th April 2016 and the increase will be £11,200 from April 2017, with higher rate tax applying to taxable incomes over £43,000 and £43,600 respectively.... Read full article

24th March 2015

Budget Announcements March 2015

This years budget was not so dramatic as last years and some aspects of interest are: From April 2016, the amount that you can save into your Pension - the Lifetime Allowance - will be reduced from £1.25 million to £1 million.  However from April 2018, this figure will increase in line with inflation. The Personal Allowance will increase from £10,000 to... Read full article

3rd December 2014

Autumn Statement - 3rd December 2014

We expected more details regarding the facility to take unlimited amounts from a Pension Plan, announced in March 2014, would be given in the Budget speech – but nothing was forthcoming.  We understand that this matter is still under consultation and it is likely that we will receive final details late January / early February. However, there were changes announced to... Read full article

18th November 2014

Experts warn pension freedoms being

Fears are mounting among MPs and Pensions Experts that the radical pension reforms which come into force in April 2015 are being "misrepresented", with too much focus on the notion of cashing out and bank account-style freedoms which could undermine the changes or prove unrealistic.... Read full article

1st October 2014

Pension Tax Changes

The current 55% tax duty payable when pension funds are passed on after death is set to be axed under this government, George Osborne has announced. From April 2015, if a pension saver dies aged over 75, beneficiaries will receive the funds free of tax if they keep them in a pension.  If they draw the pension, they will pay their... Read full article

5th September 2014

Congratulations Mrs McGee!

We are pleased to announce that Hayley finally tied the knot with John McGee on Saturday 12th July and looked absolutely stunning! ... Read full article

9th July 2014

NISA 2014/15

New ISA Limit From 1st July 2014 the overall NISA limit for 2014-15 will be £15,000, an increase of £3,480 from the previous tax year.  The NISA will also offer you the option to save your whole NISA allowance of £15,000 in cash, stocks and shares, or any combination of the two.... Read full article

29th May 2014

Retirement Flexibility

As many as 10 million pension savers will increase their contributions to take advantage of greater at-retirement flexibility announced in the Budget, according to research. Some 44% of people aged between 18 - 34 agree they would put more into their workplace or personal pension in wake of the Chancellor's announcement in March. Across all age groups, almost 25% of the adults... Read full article

16th May 2014

Care Bill Becomes Law

The Care Bill, which sought to usher in significant reforms to social care and support in the UK, has passed into law after becoming an Act of Parliament. The Care Act, which received Royal Assent on 14 May, has created a single law designed to make it clear what kind of care people can expect. The legislation introduces a national... Read full article

24th February 2014

Misselling of Investment Advice by HSBC

HSBC’s final year results for 2013 reveal its bill for investment advice mis-selling in the UK, uncovered as part of a regulatory mystery shopping exercise that targeted a total of six banks, is set to reach £96m.The results, published reveal HSBC Bank plc, the holding company for HSBC’s European operations, has set aside £96m to cover estimates for compensation related... Read full article

20th January 2014


You may have read in the news over the past few days that a number of financial adviser firms and their clients have become unknowing victims of identity fraud.Prudential has been made aware that organised crime gangs have targeted a number of adviser firms and their clients, using a new method of operating since at least June last year.Instead of... Read full article

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