Kay Ingram

Kay Ingram is divisional director of individual savings and investments at consultants LEBC. Kay is responsible for the promotion of best practice within LEBC Group for financial advice to private clients. She has 31 years experience in financial services and 21 years as a holistic financial planner advising both private individuals and companies on their financial affairs. She believes strongly in the benefits of holistic advice which helps clients understand and plan for their long term goals.

Posts from Kay Ingram

Analysis , Editor's Picks

Should you use your pension to pay off your mortgage?

2014 saw the biggest change in pensions legislation for decades. Widespread reforms, which include liberalisation of access to money purchase pension funds from age 55 and the ability to pass

Analysis , Editor's Picks , Tax Efficient Investing

Access pensions in haste: repent at leisure

2014 saw the biggest change in pensions legislation for decades. Widespread reforms that include liberalisation of access to money purchase pension funds from age 55 and the ability to pass

Analysis , Shares , Tax Efficient Investing , Viewpoint

Tax planning: you only want me for my NISA allowance

Changes in the rules about what happens to New Individual Savings Accounts (NISAs) on death, coupled with earlier changes to the law of intestacy have tipped the balance in favour

Analysis , Small Caps

How to protect yourself from deflation

Deflation is when the price of goods and services falls year on year. It’s the opposite of inflation when prices rise each year. On the face of it falling prices

Analysis , Tax Efficient Investing , Viewpoint

How to have £41,850 a year without paying tax

The Government has  announced further reforms to the taxation of pensions that will allow more flexible access to pension savings once an individual reaches age 55. This option, which until

Analysis , Small Caps , Viewpoint

The 10 most common investment mistakes

Many investors fail to make the most of their savings and investments. An analysis of private investor behaviour reveals some common mistakes, which if avoided could lead to better outcomes:-

Analysis , Viewpoint

Protecting £1.25m pension funds from extra tax

From next month it will be possible for those with pension savings in excess of £1,250,000 to register for individual protection. Anyone with £1,250,000 of pension funds as at 5

News

Time to create a ‘grey pound’ portfolio?

Between 1980 and 2010 the proportion of over 65s in the global population was a constant 8% but in the next 25 years it will almost double to 13%, according

News , Viewpoint

Beware marginal income tax at 60%

Whenever I explain to someone that the effective rate of income tax on a slice of their income is 60%, they react by being surprised and then doubtful that this

Analysis , Small Caps , Viewpoint

Hidden tax traps in Chancellor’s pension reforms

At one stroke he cheered up his core supporters by liberalising access to pension funds but also improved the public finances by lining up a tax windfall for the Treasury.