Business owners often say: ‘My business is my pension.’ But what happens when they sell up and retire? Have they considered the estate planning issues that presents? Overnight, their inheritance tax (IHT) bill can go from negligible to substantial. Taking the profits of years of hard work must be very satisfying, but your business clients …

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  Consolidating products is often cost effective and convenient. Buying TV and broadband or gas and electricity packages from one provider, for example, is becoming commonplace. But when it comes to our pensions, we seem content with leaving our pots of money scattered among various providers until we retire. One in six workers has lost …

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  Fewer people than expected have opted out of the auto-enrolment pension scheme since it was launched almost a year ago, according to a report, which has identified a new mood of financial stoicism among the public. The study – by pension provider Nest and researchers the Futures Company – concluded that the tough economy …

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