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Why choose HGH?


Investing in commercial property

Posted: 23rd Jan 2020 by Susan Ruddick Independent Financial Adviser, Investment Property, Pensions, Taxation, Wealth Management

Does your business own or rent commercial property? Or are you considering steps in this direction? If so, it is worth discussing the possibility of ownership via Self Invested Personal Pensions (SIPP) or Small Self-Administered Schemes (SSAS). The tax benefits can be significant! A face to face meeting to discuss your own circumstances is the… Read more

Good news for pensions!

Posted: 9th May 2019 by Susan Ruddick Pensions, Wealth Management

It’s taken the Government a while to get around to it but finally on the 9th January 2019 it became illegal for anyone to contact you and offer advice about your pension plans, unless they already have permission to do so. Either you must have requested the contact or already have an existing relationship with… Read more

Lifetime ISAs – First Time Buyers & Retirement

Posted: 13th Jan 2017 by Susan Ruddick Pensions, Property, Wealth Management
Lifetime ISAs

Lifetime ISAs or ‘LISA’s. There are bonuses available for first time buyers, but are they really advantageous for retirement saving? If you are saving up to buy your first home you need to know about the new Lifetime ISA. They are also designed to encourage saving for retirement.   It is important to note that… Read more

Take it or leave it?… Your Pension in Retirement

Posted: 8th Dec 2015 by Susan Ruddick Pensions

Have you considered what you will do with your pension in retirement? If I told you that the last thing you should do when you retire is start spending your pension fund you’d probably think I’d gone completely mad! And with the introduction of ‘Pension Freedom’, why shouldn’t you take advantage of your hard earned… Read more

Pension changes – Are you Pension Wise?

Posted: 10th Mar 2015 by Susan Ruddick Pensions

Changes to your pension…what does it mean for you?   There are two big Pension Changes hitting the headlines… The first is the freedom of access to your pension plans from April 2015. This will affect you if you have any savings in a personal pension plan and/or some types of employer sponsored schemes. Secondly,… Read more

Pension Planning – What’s not to like about pensions?!

Posted: 29th Sep 2014 by Susan Ruddick Pensions

Pension Planning Update Great news for pension planning! The government is to abolish the 55% pensions death tax charge with effect from April 2015! This means that if a person who dies is 75 or over, beneficiaries will only pay their marginal tax rate on drawdowns from the pension. At the moment the tax charge… Read more

NISA Know-How

Posted: 29th Apr 2014 by Susan Ruddick Wealth Management

NISA’s – The Basics From July 1, 2014, ISAs – Individual Savings Accounts – are being simplified and renamed… to NISA. New ISA (NISA) The main changes are as follows:- Annual Allowance increased to £15,000. It is currently £11,520 (with an increase to £11,880 on April 6). The full £15,000 can be split between CASH… Read more

Budget – Pension Annuity requirement scrapped!

Posted: 20th Mar 2014 by Susan Ruddick Wealth Management

Changes to the Pension Annuity From April 2015, the government plans to allow anyone over the age of 55 to take their entire pensions pot as cash, subject to their marginal rate of income tax in that year. This is a major change to pensions legislation and provides huge opportunities for more flexible retirement planning… Read more

Retirement income? – would you like to give it a boost?

Posted: 2nd Oct 2013 by Susan Ruddick Wealth Management

Are you happy with your planned retirement income? Are you one of the thousands of people retiring this year? Do you have money held in pensions which you don’t know what to do with? Do you know how much more you can get by shopping around? Did you know that you could and should shop… Read more

Business Healthcheck – give your business one NOW!

Posted: 12th Jun 2013 by Susan Ruddick Wealth Management

Could you benefit from a Business Healthcheck? Do you have any key individuals who contribute heavily to profits? – YES? Does your business have any unprotected loans or debts? – YES? Would you want your estate to receive the value of your share in the business in the event of your death? – YES? If… Read more