EQ Advice Centre

EQ is a full range financial advisory firm. We strongly believe that most people value the benefits of personal advice when dealing with their life savings. In this section we highlight some articles and case studies written by our award-winning technical team.

Tax Planning Ideas

EQ has developed a unique online tool for demonstrating the relative attractions of ISAs, SIPPs and Investment Accounts.

Using EIS for CGT deferral

The reduction in the top rate of CGT  to 20% from April 2016 offers a tempting opportunity for people who have paid tax at 28% within the past three years ....more

Loss Relief can boost EIS returns

Unsuccessful EIS & SEIS investments are eligible for Loss Relief whilst the winners incur no CGT. Consequently a portfolio of winners and losers can produce a better return than one where the returns are identical. ....more

Using EIS to reduce CGT from 28% to 20%

CGT Deferral is one of several tax benefits of the Enterprise Investment Scheme (and Seed EIS). With CGT coming down to 20% from 2016/17 onwards, there is a great opportunity to defer (or reclaim) tax paid on gains at 28% and eventually recrystallise at a maximum of 20%. ....more

Retirement Planning

Using your savings well in retirement is one of the great challenges. Use the Money Advice Service Pension Calculator now to work out your expected retirement income.

Making a will

Many people do not think about writing a will until later in life, but especially for those with children we recommend doing this as soon as possible. ....more

Reviewing your Final Salary pension

These are often described as the Gold Standard of pension schemes. They provide guaranteed benefits to those lucky enough to have them. Guarantees are only as good as the organisation giving them and only worthwhile if they are relevant to you. ....more

All about Income Drawdown

This article explains the pros and cons of Income Drawdown and what this could mean for your retirement planning under the new pension freedom rules. ....more

All about annuities

Annuities often get a bad press but they remain the only instrument that is guaranteed to provide an income for the rest of your life ....more
Dan Atkinson

How long will you live?

For many years this has been largely a philosophical question, or a quandary for actuaries at insurance companies. However in the new world of pension flexibility in which an annuity is no longer compulsory it has become a critical question: which will last longer – our money or our life? ....more
Jeannie Boyle

Decisions around debt free retirement

Comment on pension freedom has focused on the potential for over 55s to blow their pension fund on a Lamborghini. For most people reaching retirement age a sports car will remain out of reach as research has shown that paying off debt will be a priority for many people considering retirement. ....more

Recent Articles


The Kids aren’t alright

A perfect financial storm is faced by the children of today as a result of sky-high property prices, the cost of further education, lower employer contributions to pensions and likely lower investment returns than in the past. ....more

Can we help you?

Find out more about how EQ can help you achieve your financial objectives. We have a wide range of advice services to cater your your needs.

10 Common Planning Errors

Careful planning can greatly increase your chances of achieving your financial objectives. Taxation becomes more complex every year but there are a host of approved allowances that can potentially ensure that almost everyone generates tax free investment returns.

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