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Consiliums Blog

Welcome to Consilium's Blog

Pre- Budget 9th December 2009

The Chancellor, Alistair Darling will present his pre-budget speech to Parliament on the 9th December

Due to the current state of the UK’s finances it is likely that additional tax increases will be revealed. Tax increases have already been announced in the last budget.

Tax increases in April


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Invesment Management

A new page of information on our investment management process

Thousands missing out on Higher Rate Tax Relief

People saving in Stakeholder and Group Personal Pensions are losing thousands of pounds each year because they are only getting half the tax relief they are due. Although Retirement Planning is an effective way of saving, many people do not claim the full tax relief that might be available.

But up


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Free Guide to protection

Our latest  Guide to protection is now available for you to download free of charge.

To find out more about life assurance and protection why not go to the Life Assurance section of our website

Latest Article on Wills

Just written our latest article on Wills and will writing

To see the article go to will writing article

Savings and the cost of Education

A recent report by abbey savings has revealed that over 25% of parents have no savings to fall back on, in the event of an emergency.

Having a “rainy day fund “is an important part of financial planning. Just trying to save a little each month into a deposit account will make a difference and


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Where there's a will there's a way!

It’s a fact that nearly 70% of the UK does not an up to date will.Not having an up to date will can cause immense problems and distress for loved ones. Although the rules of intestacy have changed in the last few years, it is still one of the most important aspects of financial planning.

An up


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Financial Advice Magagazine Esmart Money Available

The latest copy of our Esmart Money magazine is now available for download.

To view our latest Financial Advice publication go to the main page of our site by clicking the link

Role of the Financial Advisor

Over the last few years the role of a financial advisor has continually evolved. Additional proposed changes are to come into effect from the end of 2012. The aim is to provide improved clarity, professionalism and higher qualifications within the industry.

Regardless of change, the things that


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Aviva Lifts Property fund restriction

avivaInvestors who have money in Aviva’s property fund are now able to withdraw money from the frozen funds. Nearly 250,000 investors were told in January 2009 that they would have to wait for up to 6 months to withdraw their investments.

 

Aviva, previously known as Norwich Union said the


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Consumer Confidence increases

consumerEconomists have predicted that the UK shopper will be tightening their belts this year. However there are still signs that the public are still spending money.

Recent consumer confidence data showed confidence in the future of the economy increased, with just 15% of people thinking the economy


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MP's Expenses to change

MPs will no longer be able to employ their family members, buy second homes with taxpayers’ money or simultaneously hold a seat in the devolved regions under plans announced on Wednesday.

Sir Christopher Kelly, the former civil servant charged with overhauling the discredited House of Commons’


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Lloyds and RBS to sell assets

lloydsLloyds TSB and RBS have been forced to sell off some major holdings within the two groups after lengthy discussions with the competition commission.

Lloyds, which is 43.5% owned by the government, confirmed its intentions to raise capital and stay out of the government based banking insurance


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