#FinancialPlaning

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Andrew Brookman on Financial Planning for Today’s Elite Investors

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What's your morning routine like?

[joy-haver]

In my experience, from what I’ve read, and from talking to older activists, left wing movements are only funded in a few ways;

1. ⁠Crime. And this is getting harder to do in most places.

2. ⁠Well paid professionals who happen to be leftists living below their means, and collectively supporting things. This is also getting harder as professionals are less well paid in many places than they used to be.

3. ⁠Those who are born into generational wealth using it to support the movement. This is hard because it comes with a lot of complicated power dynamics.

None of these are uncomplicated, or easy, or perfect. But, in our capitalist reality, every movement needs some money and resources to be able to do what it needs to do. Be efficacious with it, do what helps the most for the least harm, and put it into stuff that will continue to create a basis from which people can build the movement, even if they don’t get more money from somewhere in the future.

I’m not sure about what it’s like where you live, but where I live, the best way to spend money towards these causes would be to find people who are already very serious and interested in either: 1)agroecology/foodforrestry or 2) at cost collective housing - Help them to establish these services in ways that require as little financial upkeep possible over time, and provide free or at cost services to many people. The point isn’t to make a profit, but that also means there won’t be a big pool of money to fix problems if they come up, so you have to plan well, and people have to be committed to collective problem solving, and collectively putting away resources for long term maintenance, and to get through hard times.

The goal should be to severely decrease the cost of living for many people, so that they can then do things for free for the wider community, or so that they can save up more money for similar projects, or repairs on existing one, or emergency mutual aid.

It’s not something that’s easy, and you’ll need to think about it for a very long time. Lucky for you, most people who will be in a situation to put a large amount of funds to a project like this will have a while before this money gets to you, or until it is saved up enough to help.

You’ll have to find other people who are interested, and not taking advantage of you. At the same time, the hardest thing might be unlearning the desire to control. You have to come in with a plan and a vision, but you also can’t use your money like a weapon to make everyone listen to you. You will start with a plan. What actually happens will be the collective plan of many people, and look very different than what you came in with. This is good.

But there is a balance to be struck between doing something useful, and listening to everyone who shows up. Try to find people who really want to be involved, but Moreso, try to find people who really want to build the same future as you. Spend time together thinking, researching, imagining, and talking to others who are less directly benefiting, but also want the same collective future.

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Starting Your Investment Journey: A Guide for Beginners

Feeling lost when it comes to investing? You're not alone. Most beginners don’t know where to start — but that’s okay.

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[arkroyalwealthmanagement]

Is Your Financial Advisor Really On Your Side? Why Fee-Only Could Save You Thousands

Think your financial advisor is always giving you unbiased advice? #feeonly #fiduciaryadvisor #financialplanning

Let's pull back the curtain and see why fee-only advisors may offer a smarter, conflict-free approach. Please visit our website to get more information: https://www.ark-wealth.com/

In this video, I’m exposing one of the most misunderstood myths in financial planning: that advisors without an insurance license are somehow less qualified. The truth? Many advisors use commission-based products that create hidden conflicts of interest.

🔔𝐃𝐨𝐧'𝐭 𝐟𝐨𝐫𝐠𝐞𝐭 𝐭𝐨 𝐬𝐮𝐛𝐬𝐜𝐫𝐢𝐛𝐞 𝐭𝐨 𝐨𝐮𝐫 𝐜𝐡𝐚𝐧𝐧𝐞𝐥 𝐟𝐨𝐫 𝐦𝐨𝐫𝐞 𝐮𝐩𝐝𝐚𝐭𝐞𝐬.    / @arkroyalwealthmanagement  

🔗 Stay Connected With Us.

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LinkedIn:   / mike-palmer-b2673a7  

Website: https://www.ark-wealth.com/

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=======================

[moneyfinance7]

Think You’re Saving Enough for Retirement on a $65K Salary? The Answer Might Surprise You

[betterestate]

The Essential Guide to Estate Planning Services

Estate planning is a vital process that ensures your assets are managed and distributed according to your wishes after you’re gone. It’s not just about money—it’s about securing your legacy, protecting your loved ones, and making sure your intentions are clear. Whether you own a modest home or a sprawling estate, estate planning services can help you create a roadmap for your future. In this blog, we’ll dive into what estate planning services are, why they matter, how to choose the right provider, and more. With headings, a conclusion, and FAQs, this guide will give you a complete picture of this essential topic.

What Are Estate Planning Services?

Estate planning services encompass professional assistance designed to help you organize your financial and personal affairs. These services typically involve creating legal documents to manage your assets during your lifetime and after your passing. Here’s what they often include:

Wills: A legal document that spells out who gets your assets after you die.

Trusts: Arrangements that let you control how and when your assets are distributed, often with added benefits like tax savings.

Powers of Attorney: Documents that appoint someone to make decisions for you—financial or medical—if you’re unable to do so.

Healthcare Directives: Instructions for your medical care if you can’t communicate your preferences.

These tools work together to form a solid plan, ensuring your wishes are followed and your family is supported.

Why Estate Planning Services Matter

You might wonder, “Do I really need this?” The answer is yes—and here’s why. Estate planning services offer benefits that go beyond just dividing up your stuff:

Control: You decide who gets what, rather than leaving it to state laws.

Protection: Your assets can be safeguarded from excessive taxes, creditors, or legal challenges.

Efficiency: A good plan can skip probate, saving your family time and money.

Clarity: It reduces confusion or disputes among heirs by making your intentions crystal clear.

Without a plan, your loved ones could face stress, legal battles, or financial uncertainty. Estate planning services give you peace of mind and them a smoother path forward.

How to Choose the Right Estate Planning Service

Picking the right provider is a big decision—it’s about trust, expertise, and fit. Not all estate planning services are created equal, so here’s what to look for:

Experience: Choose professionals who know estate law inside and out.

Comprehensive Offerings: Make sure they can handle everything you need—wills, trusts, and more.

Reputation: Read reviews or ask for referrals to see how they’ve helped others.

Clear Pricing: Avoid surprises by picking a service with transparent costs.

For those searching for a reliable option, BetterEstate estate planning stands out with its all-in-one approach, blending expertise with a focus on making the process straightforward and secure. It’s worth researching providers like this to find one that aligns with your goals.

Debunking Estate Planning Myths

Estate planning comes with its share of misconceptions that can hold people back. Let’s clear up a few:

“It’s Only for Rich People”: Nope! If you have a house, a car, or kids, you have something worth planning for.

“A Will Covers Everything”: A will is a start, but trusts and other tools often provide more control and protection.

“I’ll Do It Once and Be Done”: Life changes—divorce, new grandkids, a big inheritance—mean your plan needs updates.

Getting past these myths helps you see estate planning for what it is: a practical step for almost everyone.

Steps to Start Your Estate Plan

Ready to take action? Here’s a simple roadmap to get going:

Take Stock: List your assets—bank accounts, property, jewelry, anything of value.

Set Goals: Think about what matters most—supporting your spouse, funding a child’s education, or donating to charity.

Find a Pro: Pick an estate planning service or attorney who fits your needs.

Build the Plan: Work with them to draft your documents, asking questions along the way.

Keep It Fresh: Check your plan every 3-5 years or after major life events.

It’s not as daunting as it sounds—breaking it into steps makes it manageable.

Conclusion

Estate planning services aren’t just about paperwork—they’re about taking care of the people and causes you love. From crafting wills to setting up trusts, these services help you protect your assets, avoid legal headaches, and ensure your wishes are honored. By choosing a reputable provider and staying proactive, you can build a plan that stands the test of time. Don’t put it off—start today and give yourself and your family the gift of certainty.

FAQs

What’s the difference between a will and a trust? A will dictates who inherits your assets after you die, while a trust manages assets during and after your life, often bypassing probate for faster distribution.

How much do estate planning services cost? It depends—simple plans might cost a few hundred dollars, while complex ones with trusts could run into the thousands. Ask for a quote upfront.

Can I handle estate planning myself? You can try, but DIY plans risk mistakes that might not hold up legally. Pros ensure everything’s airtight.

When should I revisit my estate plan? Update it after big changes like marriage, a new baby, or buying property—otherwise, every few years is a good rule of thumb.

What if I skip estate planning altogether? If you don’t plan, state laws decide who gets your assets, which might not match your wishes, and your family could face delays or disputes.

[taxduk0]

How to Get the Most Out of Your HMRC Self Assessment Tax Return and Save Money

Filing your HMRC self assessment tax return can seem like a daunting task, especially if you're not familiar with the system or have never filed one before. However, with a bit of knowledge and careful planning, you can not only make the process smoother but also ensure you get the most out of your tax return—saving money in the process. Whether you're a freelancer, a non-resident property owner, or an investor, understanding how to leverage the HMRC self assessment tax return system can help you maximize your tax benefits.

In this blog, we’ll explore everything you need to know to make the most out of your HMRC self assessment tax return, including common mistakes to avoid, tips for saving money, and how the SA109 form plays a role, especially for non-UK residents.

What is an HMRC Self Assessment Tax Return?

The HMRC self assessment tax return is a form used by individuals to report their income to Her Majesty's Revenue and Customs (HMRC) and calculate the amount of tax they owe. While many employees have their taxes deducted automatically through PAYE (Pay As You Earn), self-employed individuals, landlords, and those with additional income must file a HMRC self assessment tax return to ensure they are paying the correct amount of tax.

Whether you’re claiming tax reliefs, reporting income from rental properties, or simply want to ensure you’re compliant with UK tax laws, the HMRC self assessment tax return is the tool that helps HMRC assess how much tax you should be paying.

Understanding the Key Forms: SA109 and Non-UK Resident Tax Return

When filling out your HMRC self assessment tax return, it’s essential to understand the forms required. One important form for certain individuals is the SA109 form. If you are a non-UK resident, you will need to complete this form along with your HMRC self assessment tax return.

The SA109 form is specifically for individuals who need to declare their residency status. Non-residents, for instance, will need to fill out this form to indicate that they are not residing in the UK but still have UK-based income. This form helps HMRC determine your tax liability based on your residency status, ensuring you’re only taxed on your UK income.

If you're a non-UK resident, the non UK resident tax return process may also involve additional forms and calculations. In some cases, you may be eligible for tax relief or exemptions based on international treaties or your specific situation.

Step-by-Step Guide to Completing Your HMRC Self Assessment Tax Return

Now that you know the importance of the HMRC self assessment tax return, let’s dive into the process itself. Here’s a step-by-step guide to help you through:

1. Register for Self-Assessment (if you haven’t already)

Before you can submit your HMRC self assessment tax return, you need to register with HMRC. This step is essential for self-employed individuals, landlords, or those with additional income outside of regular employment.

For non-UK residents: You’ll need to register your non-UK resident tax return with HMRC to declare your UK income.

Self-employed individuals: Register as a sole trader or business owner to file your self-assessment.

Once registered, you will receive a Unique Taxpayer Reference (UTR) number, which is necessary for completing your HMRC self assessment tax return.

2. Collect All Necessary Documents

To complete your HMRC self assessment tax return, you’ll need to gather several key documents. These may include:

Income statements: Salary, rental income, self-employment earnings, or dividends from UK investments.

Receipts for business expenses: Keep track of receipts for anything you’ve bought related to your business or profession.

SA109: If you're a non-UK resident, this form is essential for declaring your residency status.

P60/P45: If you were employed during the tax year, your employer should have provided these forms detailing your earnings and tax paid.

Bank statements: For self-employed individuals or landlords, bank statements can be essential for providing proof of income.

3. Fill Out the HMRC Self Assessment Tax Return

Once you have all the required documents, you can begin completing your HMRC self assessment tax return. If you’re filing online, HMRC’s digital platform will guide you through the process step by step.

Section 1: Personal Information: Include your name, address, and UTR number.

Section 2: Income: Here, you’ll report all your income sources, such as employment income, rental income, or business earnings.

Section 3: Deductions and Allowances: Claim any tax reliefs or deductions you’re entitled to. For example, as a non-UK resident, you might be eligible for allowances on rental property income or income from foreign sources.

Section 4: Completing the SA109: As a non-UK resident, you will need to fill in the SA109 to confirm your residency status and outline any applicable tax treaties that might reduce your UK tax bill.

4. Claim All Available Tax Reliefs

One of the most effective ways to reduce your tax liability when filing your HMRC self assessment tax return is by claiming all available tax reliefs. Some common ones include:

Marriage Allowance: If you’re married or in a civil partnership, you may be eligible to transfer a portion of your personal allowance to your partner.

Property Tax Relief: If you’re a landlord, you can deduct allowable expenses from your rental income, such as repairs, maintenance, and mortgage interest.

Self-Employed Allowances: For self-employed individuals, you can claim expenses for business-related purchases, including office supplies, travel, and professional fees.

5. Double-Check for Mistakes

Before submitting your HMRC self assessment tax return, take time to carefully review your entries. Double-check all income amounts, claimable deductions, and residency status. Mistakes on your HMRC self assessment tax return can lead to penalties or delays in processing.

6. Submit Your Return and Pay Your Taxes

After completing your HMRC self assessment tax return, you can submit it electronically through HMRC’s online portal. Be sure to pay any taxes owed by the deadline to avoid late fees and penalties. If you are due a refund, HMRC will process this as soon as your return is accepted.

Tips for Saving Money on Your HMRC Self Assessment Tax Return

Filing your HMRC self assessment tax return is your opportunity to take advantage of various tax-saving opportunities. Here are some tips to help you save money:

Maximize Allowable Expenses: Whether you’re self-employed or a landlord, be sure to claim every allowable expense. This will reduce your taxable income and, consequently, your tax bill.

Use the Marriage Allowance: If you qualify, transferring some of your personal allowance to your partner can reduce your overall tax liability.

Claim Tax Relief for Charitable Donations: If you made donations to charity during the tax year, you may be able to claim tax relief on those donations through Gift Aid.

Consider Pension Contributions: Increasing your pension contributions not only secures your future but can also reduce your tax bill in the present.

The Importance of the SA109 for Non-UK Residents

If you’re a non-UK resident, the SA109 form is crucial to ensuring that your HMRC self assessment tax return accurately reflects your status. By completing the SA109, you’re informing HMRC that you do not reside in the UK but still have income that may be subject to UK tax.

The SA109 also helps to ensure that you’re only taxed on your UK income and that you may be eligible for exemptions based on your residency status. For example, if you’re a resident of a country with a double taxation agreement with the UK, the SA109 form can help reduce or eliminate your UK tax liability.

Conclusion

Filing your HMRC self assessment tax return doesn’t have to be stressful. By understanding the process, using the correct forms like SA109 for non-residents, and claiming all available tax reliefs, you can ensure that your tax return is both accurate and beneficial. Additionally, by staying organized and filing your return online, you can minimize the risk of mistakes and ensure timely submission.

Remember, the key to getting the most out of your HMRC self assessment tax return is careful planning, attention to detail, and utilizing all available allowances. Whether you’re self-employed, a landlord, or a non-UK resident, these strategies will help you save money and reduce your tax liability.

FAQs

Q1: What is the SA109 form, and do I need it? The SA109 form is a declaration of residency status for non-UK residents. If you live abroad and have UK-based income, you need to complete this form as part of your HMRC self assessment tax return.

Q2: Can I file my HMRC self assessment tax return online? Yes, you can file your HMRC self assessment tax return online through HMRC’s digital platform. This is the most convenient and efficient way to submit your return.

Q3: How can I reduce my tax bill when filing my HMRC self assessment tax return? To reduce your tax bill, maximize your allowable expenses, claim all available reliefs like the Marriage Allowance, and consider contributing to your pension or making charitable donations.

Q4: What happens if I make a mistake on my HMRC self assessment tax return? If you make a mistake, HMRC may issue a penalty, and you could end up paying more tax than you owe. It's important to double-check your return for accuracy before submission.

Q5: How do I pay any taxes owed after submitting my HMRC self assessment tax return? After submitting your HMRC self assessment tax return, HMRC will issue a tax bill. You can pay this online through their secure portal or via other available payment methods. Be sure to meet the deadline to avoid late fees.

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List of Low Return Life Insurance Policies: What You Should Know Before Buying

When it comes to buying a life insurance policy, many individuals focus on premiums, maturity values, and death benefits. But one crucial aspect that often goes overlooked is the return on investment (ROI). While life insurance ensures financial protection, not all life insurance plans are designed to offer high returns. In this blog, we’ll explore the list of low-return life insurance policies, why they exist, and how to make smarter decisions based on your financial goals.

Understanding Low Return Life Insurance Policies

A low return life insurance policy is typically one where the maturity or surrender value is minimal compared to the premiums paid over time. These plans prioritize insurance protection over wealth creation. Common in traditional plans like endowment or whole life policies, the return may not always beat inflation.

List of Life Insurance Plans with Low Returns

Here are some commonly known types of policies that often deliver lower-than-expected returns:

1. Endowment Plans

These plans combine insurance with savings, but returns are usually between 4% to 5% annually — often less than mutual funds or fixed deposits.

Why it’s low-return: Guaranteed maturity value limits growth potential, and bonus payouts are not always consistent.

2. Whole Life Insurance

While they offer coverage for your entire life, whole life policies build cash value very slowly, with returns hovering around 3%–5%.

Use case: Better for estate planning, not wealth building.

3. Money-Back Plans

These give periodic payouts during the policy term. Though appealing for liquidity, they reduce the sum insured and long-term compounding benefits.

Drawback: Payouts interrupt growth potential, leading to lower total returns.

4. Traditional Participating Policies

These rely on bonuses declared by the insurer, which are not guaranteed and often modest.

Concern: Limited transparency and unpredictability in returns.

Why Do People Still Buy These Plans?

Despite being low-return life insurance plans, they’re popular due to:

Guaranteed returns (even if small)

Tax benefits under Section 80C and 10(10D)

Discipline in savings

Life cover throughout the policy term

However, if your goal is wealth creation, these might not be the best life insurance policy options for you.

Focus on the Benefits of Life Insurance — Not Just Returns

Remember, the core benefit of life insurance is financial protection for your family, not just returns. Plans that seem to offer low returns still provide:

Life cover for peace of mind

Tax savings

Long-term habit of saving

Legacy planning

If your aim is income replacement and wealth accumulation, you may want to explore ULIPs or term insurance with investment in mutual funds.

Looking for Better Alternatives?

If you're aiming for both protection and returns, check out our detailed post on 👉 Top Life Insurance Policies Offering Protection and High Returns in 2025

This guide will help you compare plans that strike the right balance between insurance and wealth creation.

Final Thoughts: Choose Smartly, Not Just Safely

While traditional and low-return plans offer stability, they may not meet long-term financial goals like retirement or education funding. It’s important to match your insurance plan with your risk appetite, age, income, and financial objectives.

When choosing a life insurance plan, evaluate:

Claim settlement ratio

Surrender value

Maturity benefits

Hidden charges (if any)

Comparison with market-linked products

A well-informed decision will ensure you get the best life insurance policy for your needs — whether it’s for protection, savings, or both.

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