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If you have decided to put your child into private education, it is crucial to think about the financial costs and implications in detail.
There are several different ways of providing private education. These are:
- Paying education fees and costs from taxable income.
- Vest a single premium to allow for teaching in future years.
- Using some existing available investments.
- Use some form of policy to save regularly.
-You can use some of all of these methods to fund the costs of private tuition.

Settle school fees out of taxable Earnings.

Paying fees out of taxed earnings can cause troubles if not handled correctly. Effective school fees planning can help you increase your cash flow and make the yearly fees more affordable.

How can an independent financial adviser help?

An expert independent financial adviser will take into account the school’s fees, your attitude towards making investments, tax rates for your family, whether you have available assets or capital and your opinions towards financing. These are only a few factors financial adviser should take into account when developing any plans for paying fees.

Want to find out more info about our planning service.

Whether you are expecting to set up a regular monthly plan, pay out of income or put into place a lump sum to cover future expenses we can help you.
Our experienced financial adviser will provide support and guidance. He will talk over with you, the easiest choices for you and your family.
To talk to us in more depth about our service please contact us.
Consilium Asset Management are based in Bristol and provide independent financial advice on school fees planning.
This article should not be considered advice

Since the introduction of The trustee Act 2000, trustees now have unique responsibilities relating to the service and admin of trust funds. The responsibility is applicable to lay and professional trustees. Still higher standards are expected from professional trustees.

A legal duty of care applies to the trustee investments that are contained within the trust. For existing and new trusts, the trustees must take into account the trusts aims and the suitability of the investments to be held.

Trustees have a duty to protect the value of the trust fund, whilst providing income for the beneficiaries. It is important for trustees to consider the suitableness of the investments in the trust, funding, the type of arrangement and the requirements of the beneficiaries.

A varied portfolio of assets should be used to meet the trusts particular aims.

This approach can help to limit the volatility within the trust investment funds by placing across individual asset categories. It is fundamental to take into account risk any special requirements of the trustees. This could also include consider investing in an ethical or sociably responsible way.

Trustees have an administrative responsibility to review the assets held within the trust on a regular basis. This can be a long-term and lengthy process, specially if the trust decision makers are not veteran investors.

Trusts and Independent Financial Advice.

It is important to seek unbiased and impartial advice on the assets held within any form of trust agreement. We continually advise existing and new trustees on acceptable asset allocation investment strategies.

Trustees frequently engage the investor functions of a bank or stockbroker. Occasionally the service is not unique to the demands of the individual trust. A one size fits all philosophy may not take into consideration the specific needs of the trust. E.g., the requirements of a large educational trust will be different to a small family trust.

The costs to administrate the investment funds are an all-important element. The admin charges charged by stockbrokers and banks for trust investment funds advice can be high. This might impact on the returns the trust can attain.

Our investment funds procedure takes into account the charges, as this is a known element when we recommend particular investment funds.

If as trustees you are deliberating about vesting it is fundamental to remember that the value of the trust investment funds and the income generated could rise as well as fall. There is no guarantee you will get back more than you vested.

Consilium Asset Management are based in Chipping Sodburychipping Sodbury and offer a unique Trustee investment management service for individual and corporate trusts.

Substitute windows and doors used to only be available in grey aluminium if you didnt want wood and the styles rarely bettered the aesthetics of the buildings they adorned. Consequently, we are left with a legacy of ruined period homes which in some cases constitute a fire hazard because windows were designed without large enough opening sashes to escape through.

Then they became available in white PVC which were firstly cheap and of low quality and poor design but which went on to become the excellent quality they are today and designed to suit the house ” not the pocket.

Home owners now have a much better choice of door and window materials and styles to choose from.

The patio door market has been very big for many years because they offer an outstanding and convenient solution to let light and air in a house. They also provide an excellent thermal barrier when closed. Patio doors have recently made way for the Rolls Royce in this market which is now the hugely flexible bifolding door. If you are looking at purchasing patio doors bifold doors should be a consideration.

Bi fold doors can be arranged to span a very wide aperture or smaller spaces, behaving when closed as a glass wall to let in enhanced light and to allow wide views over the outside scene or garden. They can open an entire wall to allow seamless integration of external and internal areas, for example, for parties or for kids to play safely inside and outside on a lovely day. They are also ideal for increasing space in restricted situations such as an opening onto a balcony in a small flat.
When fully opened the doors zig-zag compact either to the left or right or split into both sides so limiting their intrusion into the room or external space. They can be incorporated to provide french style doors when full opening is not required and a single opening door for pedestrian access in the normal way.

Specialist Bifold Door companies offer the product in hardwood, PVCu, aluminium and aluminium clad timber in a wide range of finishes and colours. It is in particular appealing in aluminium clad timber where the choice of colour on the maintenance-free aluminium outside can complement your homes outside whilst the warmth and grain of the woods can enhance any interior.

The architectural style of the 18th and 19th centuries is closely associated with sash windows. Their popularity stemmed from their larger panes of glass and more elegant proportions than casement windows.

Despite much debate, the sash window is now thought to have originated in Yorkshire, England. They offered greater resistance to rot and distortion, while being able to keep out the weather and still allow fresh air in since they can be opened only slightly when it is raining.

Sash windows offered both practical advantages and a more pleasing style than older window designs, and they were popular in both new buildings and as stylish replacements in existing homes. During the mid 18th century the introduction of the window tax caused many windows to be removed. The window with two movable sashes was developed during the Georgian era. Blown glass with bull’s eye markings were the most common form, but still expensive. Once larger panels became available the classic six-paned Georgian windows appeared. They became a key part of Regency architecture.

The popularity of these windows have remained strong during the Victorian age, but they were ornamented with elaborate decorations. Gradated windows, diminishing in size with the height of the building, and large bay windows are characteristic of this period. Four paned sashes often indicate a Victorian style. While the absence of glazing bars was originally a status symbol, many people put in windows that imitated older styles once sheet glass had become cheaper and more commonly used during the late 19th century.

During the 20th century, sash windows have tended to disappear from our streets, being replaced by cheaper, mass-produced windows. An interest in conserving historical styles of architecture has recently revived the demand for sash windows, however. Sash windows today use all the latest technology, but retain the elegance and functionality of traditional sashes, and preserve the historic style of the older houses.

On 6 April this year, a number of changes were made by the Department for Work and Pensions aimed at aiding adult females, carers and low wage earners in retirement, but it was not great news for every person.

One of the most considerable alterations is the increased min. age for taking a retirement income. From 6 April, the nominal pension age was raised to age 55, hitting more than 4 million individuals who were born between Six April 1955 & the 5th April 1960 who will now have to wait for up to 5 yrs to obtain their pension income.

The state pension age for adult females also started to rise from Sixth April until it reaches 65 in two thousand and twenty. By 2026, it is set to rise to 66 for every person, until it ultimately gets to sixty eight in two thousand and forty six.

Additional modifications include a reduction in the National Ins (NI) contributions necessary to qualify for the maximum basic state pension, which raised from £95.25 a week to £97.65 a week from April. Men & adult females will now need to add up just 30 years of contributions, which the government forecasts will allow for an additional 40,000 adult females who get to pension age in the next tax yr to provide entitlement for the full state pension.

The state second pension will also be affected by the changes & now payments within the upper earnings threshold have been reduced from 20 percent to ten %. Further down the line, this will be amended to a flat-rate payment rather than an earnings-related pension, and will proceed to be associated to inflation, not wages.
A new credits system supersedes the Home Responsibilities Protection (HRP) scheme, which is designed to help parents & carers to qualify for the state pension. From 6 April, qualifying yrs can immediately be built up by weekly credits. These can then be added on to any paid contributions made when at work, with no limit on the credits awarded, as long as the qualifying rules are met.

For those reaching state pension age after this change takes effect, each complete year of HRP, up to a maximum of 22 years, will be converted into qualifying years for the basic state pension.

Consilium Asset Management provide retirement planningadvice to clients in the South Gloucestershire area

Many people retiring in the UK over the following few months will have received information about their pension fund from the provider, including details for purchasing annuities. The provider’s annuity provided, nevertheless, may not be competitive and an open market option could contribute up to 30% more retirement income each year for the remainder of the annuitant’s years.
An Open Market Option (OMO) means an annuitant is free to purchase a compulsory purchase annuity (or pension annuities) from any provider in the market, and this is applicable to a with profits annuity as well as a standard annuity. Although every one of the approximate 300,000 individuals looking to retire in the UK might consider an OMO, but over 2/3rds still did not browse about to find the greatest annuities. Many could obtain additional income by up to 30per cent, worth thousands of pounds every year for the rest of their lives.
Purchasing the right pension income is extremely important as once purchased, annuities cannot be changed to another annuity company, cannot be varied to a different type of annuity & cannot be changed in any manner for the remainder of the annuitant’s years.

If you are looking to retire in the next few months , give us a call we can help you get the best open market option available.

Sash windows are an integral component of 18th and 19th century style. They make practical and aesthetically pleasing alternatives to casements, with their large glass panels and graceful proportions.

Despite much debate, the sash window is now thought to have originated in Yorkshire, England. They offered greater resistance to rot and distortion, while being able to keep out the weather and still allow fresh air in since they can be opened only slightly when it is raining.

Sash windows were a huge improvement over their predecessors, both aesthetically and practically, and were incorporated into older homes as well as being favored for new buildings. During the mid 18th century the introduction of the window tax caused many windows to be removed. The Georgian sash window took on the modern double sash form. Blown glass with bull’s eye markings were the most common form, but still expensive. As better methods of making large panes were found, windows with six panels in each sash appeared, becoming characteristic of the Georgian sash window. They became a key part of Regency architecture.

The Victorians continued to favor sash windows, but added their own style with elaborate carved and molded ornamentation. Gradated windows, diminishing in size with the height of the building, and large bay windows are characteristic of this period. Four paned sashes often indicate a Victorian style. The wealthy often chose to have older styles of window added to their property to distinguish themselves from the increasingly common use of plate glass sash windows with the slimmer glazing bars that were once prized.

During the 20th century, sash windows have tended to disappear from our streets, being replaced by cheaper, mass-produced windows. Recently people have begun to take an interest in the historic character of their homes, resulting in greater demand for traditional style sash windows. These modern versions are produced with all the latest advances in technology, but retain the traditional style and elegance of older sashes, along with their functional design.

Substitute doors and windows used to only be available in grey aluminium if you didnt want wood and the styles rarely improved the aesthetics of the buildings they adorned. Accordingly, we are left with a legacy of spoiled period homes which in some cases are a fire hazard because windows were designed without big enough opening sashes to escape through.

Then they became available in white UPVC which were at first cheap and of poor quality and poor design but which went on to become the excellent quality they are today and designed to suit the house not the pocket.

As the old-fashioned designs become out-of-date, house owners now have a embarrassment of window and door styles and materials to select from.

The patio door market has been very big for many years because they offer an excellent and convenient solution to let light and air in a house. They also provide an outstanding thermal barrier when closed. The summit of the patio door market are Bifold doors which offers good versatility and outstanding aesthetics. If you are looking at purchasing patio doors you should consider investing in a bifold door.

Closed Bifold doors act as a glass partiton allowing great views of the garden or outside vista. They can very easily open up an entire wall to allow seamless integration of outside and interior areas, for example, for parties or for children to play safely inside and outside on a beautiful day. They are also ideal for increasing space in limited situations such as an opening onto a balcony in a small apartment.

When fully opened the doors zig-zag compact either to the left or right or split into both sides therefore limiting their encroachment into the room or outside space. They can be configured to allow french style doors when full opening is not required and a single opening door for pedestrian access in the normal way.

Available in most of the latest materials, including timber, aluminium, PVCu and aluminium clad timber, this product is available in a good range of colours and finishes from specialist window companies. Although costly, aluminium clad timber, provides you the quality finish inside and the selection of colours and low maintenance options provided by aluminium cladding.

In the past the only option when one replaced their windows and did not want to use wood was silver aluminium. Accordingly, we are left with a legacy of ruined period homes which in some cases are a fire hazard because windows were fashioned without big enough opening sashes to escape through.

Although of variable quality initially, white PVCu designs became available and have now become of outstanding quality.

As the old-fashioned designs become out-of-date, house owners now have a embarrassment of window and door styles and materials to choose from.

The patio door market has been very big for many years because they offer an excellent and convenient solution to let light and air in a house. They also provide an excellent thermal barrier when shut. Patio doors have recently made way for the Rolls Royce in this market which is now the enormously versatile bifolding door. Anyone thinking of buying patio doors now should first be considering whether they should increase their investment to a bifolding door.

Bi fold doors can be organized to span a very wide opening or smaller spaces, behaving when closed as a glass wall to let in increased light and to allow wide views over the outside scene or garden. The complete wall can be effectively removed by opening the whole doors seamlessly integrating the room into the outside space. They are also perfect for increasing space in limited situations such as an opening onto a balcony in a small flat.
When fully opened the doors zig-zag compact either to the left or right or split into both sides so limiting their encroachment into the room or outdoor space. They can be organized to allow french style doors when full opening is not required and a single opening door for pedestrian access in the normal way.

Specialist Bifold Door companies offer the doors in hardwood, PVCu, aluminium and aluminium clad timber in a wide range of finishes and colours. Although pricey, aluminium clad timber, provides you the quality finish inside and the selection of colours and low maintenance options that aluminium cladding offers.

Can you believe the weather we had this year so far? I wonder if climate is really something we should worry about…seems like our summer season gets earlier every year in my neck of the woods.

I am soooo tired (drinks some energy drink)…ok, now that I’m awake enough to share a few things with you about the season - here you go:

Gardens

Rototillers come in a variety of sizes, power, etc. The ground you till should be a major factor in choosing a rototiller. Sometimes a used tiller can be found in the classifieds but compare online first. I found reliable high quality rototiller from the Rototiller Store. Check it out. It might not be the nicest site on the web but it sure is informative on rototillers. You should check it out soon. If you’re looking for a unique rototiller, just search on the Rototiller Store website - you’re sure to find all the best deals in one place.

Energizing

Check it out…this definitely should be here. Income diversification is one of the secrets to wealth. And I needed some crazy energy to get off my lazy butt to till the garden this year. If you’re looking for a boost of energy, let me tell you I haven’t felt this energized in a very very long time. Totally worth it. Early morning and still going strong? Yes! Because I had this energy drink around Noon! I wonder who is still reading this. Go get a healthy energy drink already! You need to go check out the information found at the efusjon ‘a’ team’s website: startup4less.com. You can start up for less there. This is a forced matrix mlm which means you can join and do nothing after getting 3 people to join and still make money…sounds too good to be true, but that’s what I’m doing. Ha!

Splitting Wood

Everybody is storing their log splitters now. Do you keep your machinery in one place? Keep it clean? Wipe it down before storing the splitter. Log Splitter Sale is the best place I found for purchasing a good splitter. I don’t know about you, but I am always on the lookout for good info. Their wood splitter buyer’s guide is easy to read. Don’t forget about the site when you go for your next splitter.

Time to go! Ready set go.