t4 Marketing Innovations Blog

The new Chancellor George Osborne, and the Chief Secretary to the Treasury, David Laws, have made it clear this week that the need to get the budget deficit under control ‘overshadows everything’.

Some spending cuts have already been announced (all ministers are taking a 5% pay cut) but the scale of the national debt means much tougher measures are needed to balance the books.

We’ve been told capital gains tax will rise. An emergency Budget is scheduled for 22 June when further tax rises could be announced. Here’s what we know so far.

Capital … Continue Reading

Hungry Piggy Bank

The increases to tax and national insurance announced in the pre budget report last autumn greatly increased the opportunities for using  salary sacrifice as a tax and national insurance planning tool. Just under half of UK employers have now put a salary sacrifice scheme in place*.

Salary sacrifice deflects affects of NI rise – FT

NI set to boost employer interest in salary sacrifice – Employee Benefits magazine

Helping advisers find quality leads is key

How can financial advisers approach this market? Finding … Continue Reading

British Budget

The Budget -
What does it mean for Financial Advisers?

A big increase in ISA limits, a dramatic hike in income tax for the highest earners and and a radical revision of macro-economic forecasts are probably the key points from today’s budget.

The Chancellor is billing it as targeted support for the economy while continuing sustained fiscal consolidation from 2010-11 when the government forecast the economy will be recovering and able to support a reduction in borrowing.

Here are the main points and some first thoughts:

ISA limits increased
An increase in the annual investment … Continue Reading

2009 Budget

What will be in the Budget
for financial advisers?

This is the first of a series of posts about this year’s Budget. What might happen? What does happen? What it means for financial adviser businesses and how you might market your services to support clients afterwards.

The Chancellor’s budget takes place on Wednesday 22 April in what are unprecedented times for the UK economy. It is always hard to second guess what a Chancellor will do but we have been trawling the internet and here are some … Continue Reading

Hhhmmm.... recession?

Change creates opportunities

A lot of businesses will tell you they are making big changes to get through this recession …cutting back, changing processes, off-loading stock… . But more than anything, whenever a business is facing big changes in their market – good or bad – it is time for lots of sales activity. Sales opportunities are always created as a result of change and the challenges that creates. Challenge and change are the greatest sales lead generators of all.

Here are 5 things you can do as … Continue Reading