Accessing pension benefits can come with a major trap. Triggering the Money Purchase Annual Allowance places a limit on all further contributions. Martin Cotter, Managing Director of Lumin Wealth, explains more. Although many UK adults (and/or their employer) can pay £60,000 into a defined contribution (money purchase) pension in each tax...
In the wake of recent anti-immigration riots, employers may find themselves facing a challenging situation if any of their employees are implicated in these events. Managing such a scenario requires a careful, balanced approach that respects the rights of the individuals involved while safeguarding the company’s reputation and workplace harmony. Below are...
We have our finger on the pulse of all things eyes. Always. All the time. Which is why we strategically waited until August to post about Dry Eye Awareness Week. That might have been in July. Ahem. Moving quickly on… Dry eyes aren’t discerning. If you have them, they don’t care whether it’s...
From inception and growth to risk management, strategic investments, and exit planning, expert, independent advice can help to steer a business towards financial success. Martin Cotter, Managing Director of Lumin Wealth, explains more. Typically small business owners consider four stages in the life cycle of a business: building wealth, extracting wealth,...
Well, we’ve had moments hot and sunny enough to think about beaches, chilled glasses of something nice, the need to try every flavour at Darlish and (at time of writing!) that wellies aren’t going to be the ultimate summer fashion essential. EYES on St Albans, being the thoughtful souls that we...
This article is intended for individuals who would like to understand more about how they could help family members who might be facing a sudden increase in school fees. What is the current position on VAT and school fees? Under existing VAT law, education and goods and services closely related to education...
Treat yourself to a holistic treatment at Neal’s Yard Remedies in Christopher Place Shopping Centre...
An effective retirement plan can help you accumulate wealth tax-efficiently, and ensure you are in the best possible shape for retirement. But there are pitfalls to watch out for. Martin Cotter, managing director of Lumin Wealth, highlights some common retirement mistakes. Savers are often tempted to manage a retirement/investment plan themselves,...
The positive return outlook for equity over long periods speaks for investing your money as soon as you can. Global equities can complement UK holdings. Lumin Wealth’s Managing Director, Martin Cotter, explains more. Many global stock markets, including the FTSE 100 index, hit record highs in recent months, as investors benefited...
In our grand plan of what we’re going to write each week, there’s an article that says ‘sunglasses?’ Spurred on by the odd, good day that we’ve had, we look through the collections we have in store and try to remember that we need to photograph them on the next sunny...
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