bdhSterling

Our next FREE webinar, ‘𝗡𝗮𝘃𝗶𝗴𝗮𝘁𝗶𝗻𝗴 𝗰𝘂𝗿𝗿𝗲𝗻𝗰𝘆 𝗰𝗼𝗻𝘃𝗲𝗿𝘀𝗶𝗼𝗻 𝗮𝗻𝗱 𝗽𝗲𝗻𝘀𝗶𝗼𝗻 𝘁𝗿𝗮𝗻𝘀𝗳𝗲𝗿𝘀 𝘁𝗼 𝗔𝘂𝘀𝘁𝗿𝗮𝗹𝗶𝗮’ will take you through the process of transferring your UK pension fund down under. This webinar, held in association with Halo Financial, will also guide you through why considering currency exchange should be a priority.

📅 When: Wednesday 26 June
🕛 Time: 8am (UK) / 3pm (WST) / 5pm (EST)

The webinar will last for 40 minutes, followed by a Q&A session where you can have your burning questions answered.

𝗪𝗵𝗼 𝘀𝗵𝗼𝘂𝗹𝗱 𝗮𝘁𝘁𝗲𝗻𝗱?
• People who have emigrated to Australia, but with pensions in the UK
• People contemplating a move to Australia

To register and find out more, click the link below.

We look forward to seeing you there!

https://us02web.zoom.us/webinar/register/8016686098077/WN_255IQGSxQpWDK-QI_XBsYw #/registration

Did you know these 3 incredible benefits to transferring your UK pension to Australia? 🤔

☀️ Consolidating your retirement funds can make them easier to manage

☀️ You mitigate the threat of currency risk

☀️ You can potentially reduce the charges you're liable for

Read our blog, linked below, to discover even more advantages, and the importance of seeking expert advice when making such a life-changing decision. 👇

Why you could really benefit if you transfer your UK pension to Australia - bdhSterling If you’re looking to eventually spend your retirement years there, it could be highly advantageous for you to transfer your UK pension to Australia

There are many reasons why working with a financial planner could help increase the value of your assets, including these 5:

1. A financial plan starts by setting out your goals

2. Identify which steps could lead to the outcome you want

3. A financial planner could help you understand your risk profile

4. A financial planner could determine which tax allowances and reliefs to use

5. A financial planner could highlight potentially harmful reactions.

To find out more about these 5 reasons, read our latest blog linked below.

The value of financial planning: 5 fantastic ways tailored advice may help grow your wealth - bdhSterling Financial planning could add value to your life. This month, read about how it could help you grow your wealth to take a step closer to your life goals.

If you're dreaming of a life down under, don't forget to add reviewing your pension and currency conversion options to the top of your to-do list.

On our next FREE webinar, in association with Halo Financial, we’ll run through ‘𝙉𝙖𝙫𝙞𝙜𝙖𝙩𝙞𝙣𝙜 𝙘𝙪𝙧𝙧𝙚𝙣𝙘𝙮 𝙘𝙤𝙣𝙫𝙚𝙧𝙨𝙞𝙤𝙣 𝙖𝙣𝙙 𝙥𝙚𝙣𝙨𝙞𝙤𝙣 𝙩𝙧𝙖𝙣𝙨𝙛𝙚𝙧𝙨 𝙩𝙤 𝘼𝙪𝙨𝙩𝙧𝙖𝙡𝙞𝙖’ .

📅 When: Wednesday 26 June
🕛 Time: 8am UK / 3pm (Australia WST) / 5pm (Australia EST)

This FREE webinar will guide you through why considering currency exchange should be a priority. We’ll also share our expertise and insights to help you navigate the complexities of cross-border pension transfers.

This webinar will reveal:
• The different ways to buy and transfer currency
• How to manage the risk of currency fluctuations
• Our top currency exchange tips
• The benefits of transferring your UK pension to Australia
• The types of pensions you can and can’t transfer
• Everything you need to know about SIPPs (Self-Invested Personal Pensions) and QROPS (Qualifying Recognised Overseas Pension Scheme).

The webinar will last for 40 minutes, followed by a Q&A session where you can have your questions answered.

𝗪𝗵𝗼 𝘀𝗵𝗼𝘂𝗹𝗱 𝗮𝘁𝘁𝗲𝗻𝗱?
• People who have emigrated to Australia, but with pensions in the UK
• People contemplating a move to Australia

To register and find out more, click the link below.

We look forward to seeing you there!

https://us02web.zoom.us/webinar/register/8016686098077/WN_255IQGSxQpWDK-QI_XBsYw #/registration

Research suggests that women are less likely than men to invest, and it could be widening the wealth gap.

The decision not to invest might seem like a small one, but it can have a significant effect on wealth creation over the long term.

Our latest blog shares 5 powerful tips that could give more women the confidence to start investing or seek financial advice to give them confidence.

5 powerful tips that could help women close the investment gap - bdhSterling Research suggests that women are less likely than men to invest, and it could be widening the wealth gap. These powerful tips could give more women the confidence to start investing or seek financial advice to give them confidence.

Our next FREE webinar, ‘Navigating currency conversion and pension transfers to Australia’ will take you through reviewing your pension and currency conversion options when you move to Australia.

📅 When: Wednesday 26 June
🕛 Time: 8am UK / 3pm (Australia WST) / 5pm (EST)

This free webinar, held in association with Halo Financial, will guide you through:

• The different ways to buy and transfer currency
• How to manage the risk of currency fluctuations
• Our top currency exchange tips
• The benefits of transferring your UK pension to Australia
• The types of pensions you can and can’t transfer
• Everything you need to know about SIPPs (Self-Invested Personal Pensions) and QROPS (Qualifying Recognised Overseas Pension Scheme).

The webinar will last for 40 minutes, followed by a Q&A session.

𝗪𝗵𝗼 𝘀𝗵𝗼𝘂𝗹𝗱 𝗮𝘁𝘁𝗲𝗻𝗱?
• People who have emigrated to Australia, but with pensions in the UK
• People contemplating a move to Australia

To register and find out more, click the link below.

We look forward to seeing you there!

https://us02web.zoom.us/webinar/register/8016686098077/WN_255IQGSxQpWDK-QI_XBsYw #/registration

If you want to pass on wealth to your family, there’s more than one option.

Read our blog about the key considerations you might want to weigh up if you’re deciding whether to gift assets during your lifetime, leave an inheritance in a will, or use a trust.

Click the link below.

3 useful options you may want to consider when passing on assets to your loved ones - bdhSterling If you want to pass on wealth to your family, there’s more than one option. Read about the key considerations you might want to weigh up if you’re deciding whether to gift assets during your lifetime, leave an inheritance in a will, or use a trust.

Unexpected events could derail even the best-laid plans.

While you might not know what’s around the corner, an effective financial plan might consider the potential effects and allow you to take steps to keep your finances on track.

To find out why a financial plan could be beneficial, read our latest blog.

How to make the unexpected part of your financial plan - bdhSterling Unexpected events could derail even the best-laid plans. While you might not know what’s around the corner, an effective financial plan might consider the potential effects and allow you to take steps to keep your finances on track. Find out why a financial plan could be beneficial.

Financial planning can help you to reach your life goals, and give you and your loved ones security and peace of mind.

When you think about seeking financial advice, one of the first advantages that may come to mind is the opportunity to grow your wealth.

To find out 5 reasons why working with a financial planner could help increase the value of your assets, read our latest blog linked below.

The value of financial planning: 5 fantastic ways tailored advice may help grow your wealth - bdhSterling Financial planning could add value to your life. This month, read about how it could help you grow your wealth to take a step closer to your life goals.

Have you ever wondered whether you can transfer your UK pension to Australia? 🤔

If you are a UK expat currently living in Australia, or if you have plans to move there in the near future, you'll no doubt appreciate that there are a multitude of financial issues to consider, including your pension fund. 💰

Click the link below to discover the answer to one of our most common questions. 👇

Can I transfer my UK pension to Australia? - bdhSterling The question we’re most often asked is “can I transfer my UK pension to Australia?” Read how to find out if you can and some key points you need to consider

Mid week treats in the UK office today as we celebrate The Children's Trust National Doughnut Week 🍩😋

Don’t miss tomorrow’s webinar: ‘𝗠𝗮𝗸𝗶𝗻𝗴 𝘁𝗵𝗲 𝗿𝗶𝗴𝗵𝘁 𝗱𝗲𝗰𝗶𝘀𝗶𝗼𝗻 𝗮𝗯𝗼𝘂𝘁 𝘆𝗼𝘂𝗿 𝗨𝗞 𝗽𝗲𝗻𝘀𝗶𝗼𝗻 𝗶𝗻 𝗔𝘂𝘀𝘁𝗿𝗮𝗹𝗶𝗮’. Have you registered yet?

𝗗𝗮𝘁𝗲: Wednesday 22 May
𝗧𝗶𝗺𝗲: 9am GMT / 4pm (WST) / 6pm (EST)

Relocating to Australia brings unique considerations, including navigating the intricacies of transferring your UK pension.

Our Pension Transfer Specialists will equip you with the knowledge and insights needed to confidently choose the best route for your pension in this comprehensive session.

In the session you will learn:

• The different types of pensions and whether they can be transferred or not
• The advantages of transferring your pension, including tax effectiveness
• The times you shouldn’t consider transferring your pension
• The transfer options available and how they differ if you’re under or over 55
• What a QROPS is, its benefits and whether it’s appropriate for you
• The implications of being a resident in one country and having assets in another
• What happens if you return to the UK

The webinar will last for 40 minutes, followed by time for a Q&A session so you can have your burning questions answered.

𝗪𝗵𝗼 𝘀𝗵𝗼𝘂𝗹𝗱 𝗮𝘁𝘁𝗲𝗻𝗱?
• People who have emigrated to Australia, but with pensions in the UK.
• People who are considering moving to Australia.

The webinar is FREE to attend, but please ensure you book early, as places are limited.
To register and find out more, click the link below.

We look forward to seeing you there!

https://us02web.zoom.us/webinar/register/8016686098077/WN_TtaZu9Q_TSCyr2rB5pv69Q

Did you know that you could boost your retirement fund through bigger contributions into your super? 💸

A big increase in Australian wage growth means that from 1 July 2024, you'll be able to contribute more into your super fund. This increase in contribution limits offers the opportunity to boost your retirement fund. 💰

Read our blog, linked below, to discover more about the changes and how you could benefit from them. 👇

How you can boost your retirement fund through bigger contributions into your super - bdhSterling Recent changes announced mean that from 1 July 2024, you’ll be able to pay larger contributions into your super to help boost your retirement fund

Did you know that central banks are facing challenges when it comes to reducing interest rates? 🤔

From the UK Spring Budget to the Russian invasion of Ukraine, recent volatile world events have made it hard to predict when interest rates will start to fall. 📉

To learn more about this perplexing problem, read our blog, linked below. 👇

Central banks are facing challenges when it comes to reducing interest rates - bdhSterling In this guest article, currency exchange specialists, Halo Financial, look at when central banks around the world might start to reduce interest rates

The new "British ISA", announced in the 2024 Budget, is intended to encourage personal investment in UK-focused assets. 💸

However, the chancellor's announcement of this new ISA option has already prompted many questions in the financial media and from our clients. 😥

Read our blog, linked below, to find out more. 👇

What can we expect from the new British ISA? 5 interesting questions, answered - bdhSterling The UK chancellor, Jeremy Hunt, announced a new “British ISA” in his recent Budget speech. But how will it work, and how soon will one be launched

There are many advantages to transferring your UK pension to Australia.

But there are also pitfalls to make sure you avoid.

Our next FREE webinar, ‘Making the right decision about your UK pension in Australia’ will cover these for you.

It’s a week today! Have you registered?

📅 Wednesday 22 May
⏰ 9am UK / 4pm (WST) / 6pm (EST)

Our Pension Transfer Specialists will equip you with information covering the different types of pensions and whether they’re transferable. We’ll also run through the transfer options available and how they differ if you’re under or over 55. Plus, we’ll cover what happens if you return to the UK.

The webinar will last for 40 minutes, followed by time for a Q&A session so you can have your burning questions answered.

𝗪𝗵𝗼 𝘀𝗵𝗼𝘂𝗹𝗱 𝗮𝘁𝘁𝗲𝗻𝗱?
• People who have emigrated to Australia, but with pensions in the UK.
• People who are considering moving to Australia.

The webinar is FREE to attend, but please ensure you book early, as places are limited.
To register and find out more, click the link below.

https://us02web.zoom.us/webinar/register/8016686098077/WN_TtaZu9Q_TSCyr2rB5pv69Q

Are you tempted to help out your children or grandchildren financially? 💸

Wanting to help your loved ones out financially is an understandable instinct, especially when they face potential challenges such as student loan debts and the cost of getting a foot on the housing ladder. 💞

However, there are some important issues you need to consider before opening the Bank of Mum and Dad. Click the link below to discover 5. 👇

5 crucial points to consider before you act as the Bank of Mum and Dad - bdhSterling The instinct to support your children financially is a strong one, but there are some important issues to consider before you open the Bank of Mum and Dad

Effective retirement planning often involves weaving together lots of different threads.

As you think about your retirement, you might be unsure how to bring everything together, but a bespoke financial plan could put your mind at ease.

Our latest blog explores the importance of financial planning and how it can help you achieve the lifestyle you desire.

Click the link below to read now.

Retirement planning: Bringing together your goals and finances - bdhSterling Over the last few months, you’ve read about some of the areas you might want to consider if you’re nearing retirement, such as whether you’d like to phase into retirement and your lifestyle goals. Now, read about how financial planning could help you bring everything together.

The gains you can make before potentially paying Capital Gains Tax (CGT) have halved for the 2024/25 tax year.

If you plan to dispose of assets such as:

- Shares that aren't held in a tax-efficient wrapper

- Property that isn't your main home

- Personal possessions that are worth £6,000 or more (excluding your car)

Then the change could affect you. Click the link below to find out 6 practical ways you could reduce your CGT bill.

Could you face an unexpected bill now the Capital Gains Tax allowance has halved? - bdhSterling The amount of profit you can make before Capital Gains Tax (CGT) could be due has fallen to just £3,000 in 2024/25. It could lead to some people facing an unexpected bill. Find out if you need to consider CGT and how you might mitigate a bill.

Are you aware of all the advantages of transferring your UK pension fund to Australia? No, then our next free webinar will help you to understand them. It’s in just 14 days. Have you registered?

𝗗𝗮𝘁𝗲: Wednesday 22 May
𝗧𝗶𝗺𝗲: 9am GMT / 4pm (WST) / 6pm (EST)

In our FREE webinar ‘Making the right decision about your UK pension in Australia’ we’ll take you through the process of transferring your UK pension fund down under.

Our Pension Transfer Specialists will equip you with the knowledge and insights needed to confidently choose the best route for your pension fund in this comprehensive webinar.

Here are a few things you can expect to learn from the session:

• The advantages of transferring your pension, including tax effectiveness
• The times you shouldn’t consider transferring your pension
• What a QROPS is, its benefits and whether it’s appropriate for you
• The implications of being a resident in one country and having assets in another
• What happens if you return to the UK

The webinar will last for 40 minutes, followed by time for a Q&A session.

𝗪𝗵𝗼 𝘀𝗵𝗼𝘂𝗹𝗱 𝗮𝘁𝘁𝗲𝗻𝗱?
• People who have emigrated to Australia, or are considering the move, with significant pension funds in the UK.

The webinar is FREE to attend, but please ensure you book early, as places are limited.
To register and find out more, click the link below.

We look forward to seeing you there!

https://us02web.zoom.us/webinar/register/8016686098077/WN_TtaZu9Q_TSCyr2rB5pv69Q

If your biggest fear in retirement is running out of money prematurely, you're not alone.

But being proactive and putting plans in place by working with a financial adviser could help bring your financial concerns under control.

Find out how you can gain peace of mind.

Running out of money tops retirement concerns, but financial planning could bring peace of mind - bdhSterling A survey of financial advisers has revealed that running out of money is one of the biggest retirement fears. Seeking professional advice could help you feel more confident about your finances and decisions.

You might want to take a tax-free lump sum from your pension to kickstart retirement plans.

However, you should be aware that the rules have changed, and you might want to consider the long-term effect it could have on your finances.

To find out more, click the link below to read our latest blog.

What you need to know about taking your pension tax-free lump sum in 2024/25 - bdhSterling You might want to take a tax-free lump sum from your pension to kickstart retirement plans. However, you should be aware that the rules have changed, and you might want to consider the long-term effect it could have on your finances. Find out more here.

Have you got a UK pension fund that you’re considering transferring to Australia?

Did you know that a pension transfer to Australia could create a highly advantageous tax position for you!

Our next FREE webinar ‘Making the right decision about your UK pension in Australia’ will take you through the process of transferring your UK pension fund down under.

📅 When: Wednesday 22 May
🕛 Time: 9am UK / 4pm (WST) / 6pm (EST)

Our Pension Transfer Specialists will equip you with the knowledge and insights needed to confidently choose the best route for your pension(s) in this informative session.

The webinar will last for 40 minutes, followed by a Q&A session where you can have your burning questions answered.

𝗪𝗵𝗼 𝘀𝗵𝗼𝘂𝗹𝗱 𝗮𝘁𝘁𝗲𝗻𝗱?
• People who have emigrated to Australia with UK pension funds
• People contemplating a move to Australia

The webinar is FREE to attend, but please ensure you book early, as places are limited.
To register and find out more, click the link below.

We look forward to seeing you there!

https://us02web.zoom.us/webinar/register/8016686098077/WN_TtaZu9Q_TSCyr2rB5pv69Q

Over the last few months, you’ve read about some of the areas you might want to consider if you’re nearing retirement, such as whether you’d like to phase into retirement and your lifestyle goals.

Now, you can read our latest blog about how financial planning could help you bring everything together.

Click the link below to read now.

What you need to know about taking your pension tax-free lump sum in 2024/25 - bdhSterling You might want to take a tax-free lump sum from your pension to kickstart retirement plans. However, you should be aware that the rules have changed, and you might want to consider the long-term effect it could have on your finances. Find out more here.

Did you know that over £7.09 billion in Inheritance Tax was paid to HMRC in the last tax year? 🪙

With Inheritance Tax reaching record figures, it's vital to ensure you're passing on as much of your wealth as possible. One of the most effective ways to minimise the amount of Inheritance Tax payable on the value of your estate is by gifting assets while you're still alive 🎁

If you're considering whether this option would be right for you, get in touch with us or read our blog, linked below, to learn more 👇

A guide to gifting assets to reduce your Inheritance Tax liability - bdhSterling With Inheritance Tax (IHT) payments to HMRC increasing, discover why gifting assets is a common and effective way to reduce your IHT liability

Don’t miss tomorrow’s webinar: ‘𝗛𝗼𝘄 𝘁𝗼 𝗴𝗲𝘁 𝘁𝗵𝗲 𝗺𝗼𝘀𝘁 𝗼𝘂𝘁 𝗼𝗳 𝘆𝗼𝘂𝗿 𝗔𝘂𝘀𝘁𝗿𝗮𝗹𝗶𝗮 𝘀𝘂𝗽𝗲𝗿 𝗶𝗳 𝘆𝗼𝘂 𝗹𝗶𝘃𝗲 𝗶𝗻 𝘁𝗵𝗲 𝗨𝗞’. Have you registered yet?

📅 When: Wednesday 24 April
🕛 Time: 12pm GMT

In this webinar, our Pension Transfer Specialists will explain how to maximise the benefits of your Australian superannuation in the UK and help you avoid costly errors.

We’ll cover:

• The tax planning opportunities you have because you live in the UK but have a superannuation
• The advantages and disadvantages of transferring your superannuation to the UK
• The tax implications of withdrawing your superannuation whilst living in the UK
• The key changes to superannuation rules that you need to be aware of
• The impact of your tax residency status on the decisions you make

The webinar will last for 40 minutes, followed by time for an interactive Q&A session.

𝗪𝗵𝗼 𝘀𝗵𝗼𝘂𝗹𝗱 𝗮𝘁𝘁𝗲𝗻𝗱?
• Australians living in the UK, who have a considerable superannuation back home
• People who’ve worked in Australia on a permanent visa and have accumulated a larger superannuation fund

The webinar is FREE to attend but places are limited. Secure your spot by registering via the link below.

We look forward to seeing you there!

https://us02web.zoom.us/webinar/register/8016686098077/WN_cJI7bXgOSSuiz0P18COnww #/registration

Have you planned ahead for potential future care costs? 💞

Although you and your family might be in perfect health now, it's important to plan for the future. With the average life expectancy increasing due to advances in medicine and technology, it's vital that you plan for a longer retirement and potential care costs when mobility and failing health becomes a problem for you or your parents. 🌟

Having a plan for this eventuality can provide valuable peace of mind. Get in touch with us or read our blog, linked below, to learn more 👇

Facing up to future long-term care costs for your parents - bdhSterling Discover why planning for the possibility of either or both of your parents requiring long-term care should be a key part of your financial planning