Author Archives: gileswarren

Difficult choices – ISAs or Pension savings?

Posted on June 29, 2012 by gileswarren

In the UK, we may be putting more savings into stocks and shares ISAs than into personal pensions. Reporting on savings trends in the 2010/2011 tax year, the Office for National Statistics (ONS) said savers put £14.3bn into personal pensions … Continue reading →

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Budget 2012 Snapshot from Giles Warren Financial Ltd

Posted on March 22, 2012 by gileswarren

Here are some of the changes in the March 2012 Budget Income Taxes Additional rate reduced to 45% from April 2013 Personal Income Tax allowance increased to £9,205 from April 2013 No changes to pension tax relief Personal tax statement … Continue reading →

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Auto Enrolment Pensions in Windsor

Posted on March 20, 2012 by gileswarren

What is auto enrolment?  Well work place pensions are due to change in October of this year and employers and employees will have to be offered contributory Work Place pension scheme – that’s right HAVE to!  It’s no longer any good to have a template … Continue reading →

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Investment Advice Windsor

Posted on November 14, 2011 by gileswarren

I am constantly asked “whats the best investment” and “where do you put your money” by my clients – however it should always be based around how much risk my client is prepared to take.  How do we work this … Continue reading →

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What is NEST – Windsor

Posted on September 6, 2011 by gileswarren

NEST stands for the National Employment Savings Trust and is a simple pension scheme to help employers comply with the Pensions reforms which are being phased in from 2012.   It is predominantly aimed as the lower income employees who … Continue reading →

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The State Pension Scheme

Posted on August 30, 2011 by gileswarren

So based on the fact that the State Pension gives a single person who is retired or age 65 year old a pension of £102.15 per week or £5311.80 per annum, how would this compare to what they could have … Continue reading →

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Pensions advice – Flexible Drawdown from Windsor

Posted on August 25, 2011 by gileswarren

I am sat in my office in Windsor, Berkshire studying for my next exam (J05) and reviewing the new Capped and Flexible Drawdown pension changes.  Capped as you might know prevents a client taking out an income that they might … Continue reading →

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J04 in the bag!!

Posted on August 4, 2011 by gileswarren

This is to update my blog with the fact that I passed my J04 exam that I took in April.  I found out just before we went on holiday to Menorca and it was great!!!  A years hard work paid … Continue reading →

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My new Blog

Posted on March 3, 2011 by gileswarren

Having just passed R01 and on my way to Diploma status with the CII before the deadline of 31/12/2012, I thought I would make some notes on my “studious” journey.  Some of my questions with regards to these blogs and … Continue reading →

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Hello Giles Warren Financials first blog!

Posted on July 28, 2005 by gileswarren

So I have decided to start a blog about what happens in my working life and someone recommended that I start it off with Word Press. 

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