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	<title>alan seward</title>
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	<link>http://alanseward.wordpress.com</link>
	<description>Relationship-based, specialist financial advice for you and your business</description>
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		<title>alan seward</title>
		<link>http://alanseward.wordpress.com</link>
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		<title>Multiple Pension Pots</title>
		<link>http://alanseward.wordpress.com/2012/02/24/how-to-consolidate-your-disparate-pension-pots/</link>
		<comments>http://alanseward.wordpress.com/2012/02/24/how-to-consolidate-your-disparate-pension-pots/#comments</comments>
		<pubDate>Fri, 24 Feb 2012 11:25:27 +0000</pubDate>
		<dc:creator>Alan Seward</dc:creator>
				<category><![CDATA[Pensions]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[pensions]]></category>

		<guid isPermaLink="false">http://alanseward.wordpress.com/?p=162</guid>
		<description><![CDATA[UK workers seek simpler ways to manage their retirement money &#8230; Britain’s workers are struggling to manage their pensions savings because they are scattered across numerous employers in small workplace pension pots, research* from Aviva shows. Almost half (49 per cent) of workers surveyed said they had multiple pots, with one in two (58 per [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=alanseward.wordpress.com&amp;blog=29519594&amp;post=162&amp;subd=alanseward&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://alanseward.wordpress.com/2012/02/24/how-to-consolidate-your-disparate-pension-pots/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
	
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		<title>Tax doesn&#8217;t end when you stop working</title>
		<link>http://alanseward.wordpress.com/2012/02/22/paying-tax-in-retirement-tax-on-pensions/</link>
		<comments>http://alanseward.wordpress.com/2012/02/22/paying-tax-in-retirement-tax-on-pensions/#comments</comments>
		<pubDate>Wed, 22 Feb 2012 12:28:07 +0000</pubDate>
		<dc:creator>Alan Seward</dc:creator>
				<category><![CDATA[Pensions]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Tax]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[pensions]]></category>
		<category><![CDATA[tax]]></category>

		<guid isPermaLink="false">http://alanseward.wordpress.com/?p=158</guid>
		<description><![CDATA[The average UK pensioner household pays out 27 per cent of its income in retirement to the taxman through a combination of direct and indirect taxes which add up to an annual tax bill of more than £34 billion, new analysis* from MetLife shows. On an average gross pensioner household income of £18,834, that equates [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=alanseward.wordpress.com&amp;blog=29519594&amp;post=158&amp;subd=alanseward&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://alanseward.wordpress.com/2012/02/22/paying-tax-in-retirement-tax-on-pensions/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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		<title>Your 2012 ISA &#8211; use it or lose it!</title>
		<link>http://alanseward.wordpress.com/2012/02/20/making-the-most-of-your-2012-isa-allowance-tax-efficient-saving/</link>
		<comments>http://alanseward.wordpress.com/2012/02/20/making-the-most-of-your-2012-isa-allowance-tax-efficient-saving/#comments</comments>
		<pubDate>Mon, 20 Feb 2012 10:37:05 +0000</pubDate>
		<dc:creator>Alan Seward</dc:creator>
				<category><![CDATA[Cash ISA]]></category>
		<category><![CDATA[Investments]]></category>
		<category><![CDATA[ISA]]></category>
		<category><![CDATA[Stocks & Shares ISA]]></category>
		<category><![CDATA[investments]]></category>
		<category><![CDATA[Tax Efficient Saving]]></category>

		<guid isPermaLink="false">http://alanseward.wordpress.com/?p=112</guid>
		<description><![CDATA[Don’t miss out on using your tax-efficient allowance! An Individual Savings Account (ISA) is a tax-efficient wrapper. Within an ISA you pay no capital gains tax and no further tax on the income, making it one of the most tax-efficient savings vehicles available. If you are planning to open or transfer an existing ISA, you have [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=alanseward.wordpress.com&amp;blog=29519594&amp;post=112&amp;subd=alanseward&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://alanseward.wordpress.com/2012/02/20/making-the-most-of-your-2012-isa-allowance-tax-efficient-saving/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
	
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		<title>How will you achieve your investment goals?</title>
		<link>http://alanseward.wordpress.com/2012/02/15/how-to-use-the-stock-markets-to-invest-in-your-future/</link>
		<comments>http://alanseward.wordpress.com/2012/02/15/how-to-use-the-stock-markets-to-invest-in-your-future/#comments</comments>
		<pubDate>Wed, 15 Feb 2012 13:13:58 +0000</pubDate>
		<dc:creator>Alan Seward</dc:creator>
				<category><![CDATA[IFA Bath]]></category>
		<category><![CDATA[Independent Financial Advice]]></category>
		<category><![CDATA[Investment Trusts]]></category>
		<category><![CDATA[Investments]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Stock Markets]]></category>
		<category><![CDATA[IFA]]></category>
		<category><![CDATA[Independent Financial Advice Bath]]></category>
		<category><![CDATA[investments]]></category>
		<category><![CDATA[Wealth Management]]></category>

		<guid isPermaLink="false">http://alanseward.wordpress.com/?p=106</guid>
		<description><![CDATA[Gaining prudent exposure to stock exchange investment without putting all your eggs in one basket takes skill and experience. Investment trusts are a way of gaining prudent exposure to stock exchange investment but without putting all your eggs in one basket. They are often categorised into country and regional funds and sub-divided further into funds [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=alanseward.wordpress.com&amp;blog=29519594&amp;post=106&amp;subd=alanseward&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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		<title>Could you afford to be ill and off work?</title>
		<link>http://alanseward.wordpress.com/2012/02/09/income-protection-insurance-critical-illness-protection/</link>
		<comments>http://alanseward.wordpress.com/2012/02/09/income-protection-insurance-critical-illness-protection/#comments</comments>
		<pubDate>Thu, 09 Feb 2012 11:13:56 +0000</pubDate>
		<dc:creator>Alan Seward</dc:creator>
				<category><![CDATA[Critical Illness Insurance]]></category>
		<category><![CDATA[Income Protection]]></category>
		<category><![CDATA[Sick pay]]></category>
		<category><![CDATA[critical illness cover]]></category>
		<category><![CDATA[critical illness insurance]]></category>
		<category><![CDATA[income protection policies]]></category>
		<category><![CDATA[sick pay]]></category>

		<guid isPermaLink="false">http://alanseward.wordpress.com/?p=101</guid>
		<description><![CDATA[Over half of UK workers would be unable to survive financially for more than three months if they were off work. New research from Aviva reveals that over half of UK workers (52 per cent) would be unable to survive financially for more than three months if they were off work with an illness. Around a [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=alanseward.wordpress.com&amp;blog=29519594&amp;post=101&amp;subd=alanseward&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://alanseward.wordpress.com/2012/02/09/income-protection-insurance-critical-illness-protection/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">ellipsiscopy</media:title>
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		<title>Property-focused investment companies</title>
		<link>http://alanseward.wordpress.com/2012/02/07/investing-in-uk-property/</link>
		<comments>http://alanseward.wordpress.com/2012/02/07/investing-in-uk-property/#comments</comments>
		<pubDate>Tue, 07 Feb 2012 09:59:56 +0000</pubDate>
		<dc:creator>Alan Seward</dc:creator>
				<category><![CDATA[Buy-to-Let]]></category>
		<category><![CDATA[Housing market]]></category>
		<category><![CDATA[Investments]]></category>
		<category><![CDATA[Property Investment]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Housing Market]]></category>
		<category><![CDATA[investments]]></category>

		<guid isPermaLink="false">http://alanseward.wordpress.com/?p=96</guid>
		<description><![CDATA[Regaining favour with investors as demand for income continues&#8230; The property market has experienced some significant highs and lows since 2008 but is now steadily regaining favour among investors as property-focused investment companies are proving a source of much sought-after income. The Association of Investment Companies (AIC) has surveyed property managers for their views on [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=alanseward.wordpress.com&amp;blog=29519594&amp;post=96&amp;subd=alanseward&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://alanseward.wordpress.com/2012/02/07/investing-in-uk-property/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">ellipsiscopy</media:title>
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		<title>Identifying the most appropriate Inheritance Tax solution for you</title>
		<link>http://alanseward.wordpress.com/2012/02/02/inheritance-tax-planning-and-solutions/</link>
		<comments>http://alanseward.wordpress.com/2012/02/02/inheritance-tax-planning-and-solutions/#comments</comments>
		<pubDate>Thu, 02 Feb 2012 14:50:36 +0000</pubDate>
		<dc:creator>Alan Seward</dc:creator>
				<category><![CDATA[Inheritance Tax]]></category>
		<category><![CDATA[Tax]]></category>
		<category><![CDATA[inheritance tax]]></category>
		<category><![CDATA[tax planning]]></category>
		<category><![CDATA[tax relief]]></category>

		<guid isPermaLink="false">http://alanseward.wordpress.com/?p=91</guid>
		<description><![CDATA[What should you do to reduce, or even eliminate, an Inheritance Tax burden? Inheritance Tax (IHT) in the UK may be one of life’s unpleasant facts but IHT planning and professional advice could help you pay less tax on your estate. With the current thresholds set to remain at £325,000 for individuals and £650,000 for married [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=alanseward.wordpress.com&amp;blog=29519594&amp;post=91&amp;subd=alanseward&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://alanseward.wordpress.com/2012/02/02/inheritance-tax-planning-and-solutions/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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		<title>The state of the economy and the government’s future plans</title>
		<link>http://alanseward.wordpress.com/2012/01/25/uk-economy-government-deficit-reduction-plans/</link>
		<comments>http://alanseward.wordpress.com/2012/01/25/uk-economy-government-deficit-reduction-plans/#comments</comments>
		<pubDate>Wed, 25 Jan 2012 13:57:13 +0000</pubDate>
		<dc:creator>Alan Seward</dc:creator>
				<category><![CDATA[Pensions]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[deficit reduction]]></category>
		<category><![CDATA[fuel duty]]></category>
		<category><![CDATA[tax]]></category>
		<category><![CDATA[UK economy]]></category>

		<guid isPermaLink="false">http://alanseward.wordpress.com/?p=87</guid>
		<description><![CDATA[On 29 November 2011, the Chancellor of the Exchequer, George Osborne, announced the Autumn Statement, which provided an update on the government’s plans for the economy based on the latest forecasts from the Office for Budget Responsibility. These are the key announcements from his speech. Pay, taxes and allowances Public sector pay awards will be [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=alanseward.wordpress.com&amp;blog=29519594&amp;post=87&amp;subd=alanseward&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://alanseward.wordpress.com/2012/01/25/uk-economy-government-deficit-reduction-plans/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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		<title>Working for financial need rather than enjoyment</title>
		<link>http://alanseward.wordpress.com/2012/01/20/retirement-at-a-muc-older-age/</link>
		<comments>http://alanseward.wordpress.com/2012/01/20/retirement-at-a-muc-older-age/#comments</comments>
		<pubDate>Fri, 20 Jan 2012 14:00:30 +0000</pubDate>
		<dc:creator>Alan Seward</dc:creator>
				<category><![CDATA[Pensions]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Staff]]></category>
		<category><![CDATA[pensions]]></category>
		<category><![CDATA[saving]]></category>

		<guid isPermaLink="false">http://alanseward.wordpress.com/?p=85</guid>
		<description><![CDATA[More people will have to work later in life to maintain an adequate standard of living. Some 6.1m of today’s over-50s expect to work past the current state retirement age, according to data from LV=’s Working Late Index. The report reveals that, on average, those planning to work past state retirement age will work for an [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=alanseward.wordpress.com&amp;blog=29519594&amp;post=85&amp;subd=alanseward&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://alanseward.wordpress.com/2012/01/20/retirement-at-a-muc-older-age/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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		<title>Get Your Finances Fit For 2012</title>
		<link>http://alanseward.wordpress.com/2012/01/18/new-year-financial-planning-tips/</link>
		<comments>http://alanseward.wordpress.com/2012/01/18/new-year-financial-planning-tips/#comments</comments>
		<pubDate>Wed, 18 Jan 2012 14:04:52 +0000</pubDate>
		<dc:creator>Alan Seward</dc:creator>
				<category><![CDATA[Pensions]]></category>
		<category><![CDATA[Investments]]></category>
		<category><![CDATA[Inheritance Tax]]></category>
		<category><![CDATA[Capital Gains Tax]]></category>
		<category><![CDATA[ISA]]></category>
		<category><![CDATA[pensions]]></category>
		<category><![CDATA[saving]]></category>
		<category><![CDATA[inheritance tax]]></category>
		<category><![CDATA[capital gains tax]]></category>
		<category><![CDATA[tax planning]]></category>
		<category><![CDATA[personal allowance]]></category>

		<guid isPermaLink="false">http://alanseward.wordpress.com/?p=82</guid>
		<description><![CDATA[Year-end tax planning tips With further tax increases likely on the horizon, there really is no time like the present to take a step back and look at how you could reduce your taxes and improve your financial planning strategy. The end of the current 2011/12 tax year is 5 April. We have provided an [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=alanseward.wordpress.com&amp;blog=29519594&amp;post=82&amp;subd=alanseward&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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