During his presentation 'Pension Freedoms' Sam will consider Building another business. How to ensure you are in control of your money. His message will be that you can take money out of your business without liability to any taxes and pop it into a 'pension wrapper'.

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The BusinessJourney
16 February 2016

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Business
Journey
Partners

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Sam
Henderson

4. Building another Business
Control of your Money

5. Sam Henderson
Chartered Financial Planner

6. Much More Flexibility:
Taking Benefits
Passing to Successors

7. Capital
Gains
Tax
COMPANY
A
Income
Tax
Corporation
Tax

8. Company
A
Company
B
No Tax
No Tax Within

9. 25% TFC
Pension
Marginal
Rate
No
IHT

10.  Input How Much? (£40k pa)
 Carry forward last 3 years
 Only if qualifying pension
 Investment choices:
 A) Insured pension - leave to adviser
 B) Platform - you choose shares/funds
 C) SIPP - commercial property/private shares
 D) SSAS – even more investment flexibility

11. Age contributions are started £200 per month contribution
Fund value at age 65
£500 per month contribution
Fund value at age 65
25 £393,714.44 £984,286.10
35 £201,124.30 £502,810.60
45 £93,582.54 £233,956.36
55 £33,531.94 £83,829.86
Figures retrieved from https://www.unbiased.co.uk/cost-of-delay
Assumptions below

12. Assumptions:
These figures are based on a Stakeholder Pension and assume a yearly growth rate
of 7% with fund charges of 1% each year. Your pension plans may grow at a lower
or higher rate than 7%.
We've assumed that your contributions are level and don't increase in line with
inflation over the time that you save.
Tax rules can change. The value of an investment is not guaranteed and can go up
as well as down depending on investment performance (and currency exchange
rates where a fund invests overseas). You could get back less than you invested.
The value of an investment can fall as well as rise and you may get back less than
you have invested.
The Financial Conduct Authority does not regulate taxation and trust advice.
HM Revenue & Customs practice and the law relating to taxation are complex and
subject to individual circumstances and changes which cannot be foreseen.

13. Sam Henderson
07710 520 307
Henderson Stone & Co Ltd 0141 352 7800
www.hendersonstone.co.uk
samh@hendersonstone.co.uk
Henderson Stone & Co Ltd is an appointed representative of Caerus Financial Limited, which is authorised
and regulated by the Financial Conduct Authority. FCA Number 226516. Registered in Scotland SC291164.

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Sam
Henderson Questions?