Finance

Brexit B-Day house price risks

News & Views

Brexit: It’s like trying to use a kitchen roll for a boat sail in a multiple angle storm.

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Tax free life insurance or 55% tax?

News & Views

Peter McGahan has news for the 8.5million breadwinners in the UK who have no life insurance at all - leaving the UK under insured by £263...

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Life insurance, over 50s plan or funeral plan?

Finance

Guaranteed over 50s life insurance plans can provide peace of mind and safeguard your loved ones against the financial burden of a funeral...

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Understanding Environmental, Social and Governance

News & Views

Reducing risk, extra returns, and being nice with it. That’s ESG.

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How would the over-50s fare in a no-deal Brexit?

Finance

One of the biggest worries for the over-50s is the economic uncertainty that comes with Brexit. Find out how to protect yourself in the...

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The surge of socially responsible investing

News & Views

Environmental, Social and Governance (ESG) investing is experiencing a boom as people seek to insure their money is invested ethically -...

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Brexit twaddle and your money

News & Views

Three years on from the referendum and the countdown to Brexit continues to throw uncertainty at our day to day finances, writes Peter McGahan.

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The price of filling up

News & Views

In 1990 fuel was 40.2p per litre. In 2018 it was 122p, Peter McGahan examines whether this is just supply and demand or an example of...

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Why are financial markets important

News & Views

Financial markets can seem complex and confusing, but they are essential to the smooth running of global economies....

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Think It’s Too Late to Learn About Bitcoin? Think Again

News & Views

Find out why you are never too old to learn about Bitcoin and cryptocurrencies.

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Financial resolutions (part 2)

Money Saving Tips

In the second part of our New Year's resolutions (the first was on debt management), Peter McGahan cover some of the broader financial...

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2019 New Year debt resolutions

Money Saving Tips

Tips on how to reduce your personal debt and start 2019 on a sound financial footing. ...

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The price of being a loyal customer

News & Views

Whether its energy, insurance or your mortgage – sticking with the same provider over time can have hidden expensive consequences.

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Further falls in markets and your investments

News & Views

With talk of trade wars and market instability, Peter McGahan warns that the cordiality of relations (or lack of) between Trump and...

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Inheritance Tax to go digital: less admin, better guidance, but no quick solutions

News & Views

Sarah Coles says 'This will come as no comfort to anyone currently mired in the (IHT) process. You're likely to hit your deadline for...

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How will Brexit affect my investments and finance

News & Views

A second referendum with a result to remain would undoubtedly have the most immediate positive impact on the market, particularly as investors looking for bargains would return to that cloudy investment market that is the UK.

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Brexit and my mortgage

News & Views

With so much uncertainty around Brexit, Peter McGahan looks at what affects house prices and mortgage rates and whether now is the time to...

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Women falling way behind in personal pension planning

News & Views

Pension Review Service survey finds women lag male counterparts by a staggering 75 per cent...

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Budget or Bodgit

News & Views

Peter McGahan cast an eye over the Chancellor’s budget statement which brough a freeze on fuel, booze and tobacco and the prospect of a no interest loan scheme for the financially stretched.

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Probate fees to soar from April 2019

News & Views

Dan Atkinson of EQ Investors considers yesterday's announcement that the cost of securing legal control over a deceased's estate will soar...

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FAANGS for the bites Facebook

News & Views

No Halloween pun intended. Tech stocks are a very attractive option but if you think they are a safe option - think again....

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“No-one told me the tide comes in”

News & Views

Peter McGahan takes another look at the shifting sands beneath tech stocks (FAANGs) and how you can protect yourself against market uncertainty.

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Six solutions if you’re bumping up against the pensions annual allowance

Pensions

Sarah Coles of Hargreaves Lansdowne looks at six ways to make the most of your pension annual allowance....

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Past performance a guide to the future?

News & Views

Analysing the consistency of investments and opportunities is key to understanding where risk lies, writes Peter McGahan....

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Give generously to help escape inheritance tax

Tax

New figures show that families who lost a loved one paid a record £5.2bn in inheritance last year. Wills and probate expert Jill Rushton explains how to mitigate against IHT.

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Mortgage: Two or five years fixed rate

Property

If you are considering taking out a fixed-rate mortgage in the coming months, consider how a hard Brexit could impact your pocket. ...

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Tips on protecting your family and business

News & Views

There are lots of life insurance products available and as Peter McGahan explains, they should be considered an essential part of...

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Inheritance stealth taxing

Tax

Autumn promises publication of the Office of Tax Simplification’s recommendations on Inheritance Tax and the impact could be far-reaching in spite of sweeteners.

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Equity release providers risk to your money

Equity Release

If you are considering equity release, Peter McGahan ponders a few questions that might make you to reconsider, or dump the idea of...

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The UK’s most expensive (and cheapest) funeral costs

Finance, Sponsored

If funeral costs continue to rise at the same rate as today - by 2024 the average cost of a UK funeral could be £5,925 says new report by...

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Equity release costs to increase?

Equity Release

Many equity release lenders are exposed by the underlying negative equity guarantee and may well have to increase their costings to cover themselves, writes Peter McGahan.

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Protecting debts against cancer

News & Views

How critical illness plans can help repay a mortgage, pay down debts, seek medical treatment or simply allow yourself time off work stress...

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There’s a gite for every budget

Property

Stewart Andersen considers the French gite market and property opportunities for Brits interested in value for money and rental potential....

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Inheritance tax abolished?

Tax

Fancy having to keep a track of receipts (over a lifetime) with tax liability assessed against the total? Could this be the successor to inheritance tax?

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Better mortgages can give you a day off work!

Property

When was the last time you assessed the value of your mortgage? Remember to shop around, fees are different, as are rates - and the...

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IHT: Gift to my children now or later?

News & Views

There are some creative ways you can help your family (in your lifetime) to lessen the burden of inheritance tax. Read on ......

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The great inflation robbery

News & Views

UK inflation stands at 2.3% (May 2018) and plans to remove the fuel duty freeze will hit low income consumers further. So how can you minimise the slings and arrows that rising prices bring?

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Nine out of ten workers are ‘financially sleepwalking’ into retirement

News & Views

New study underlines the need to put in place a clear, workable plan to lay the foundations to have a comfortable and financially secure...

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How much can I withdraw from my pension?

Pensions

There are many factors to consider when taking money out of your pension writes Peter McGahan....

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Downsizing? Five questions to ask yourself first

Property

Whether you plan to downsize to a park home or any other kind of property, here are the five necessary steps to consider prior to your move.

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Over 1000 times the cost of a mortgage

Money Saving Tips

One in four of us went overdrawn last year and 2.1 million people were overdrawn all year. The cost of this credit is a huge waste of...

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Don’t be caught out by this important inheritance tax change

News & Views

Inheritance tax is an issue which affects many of us, yet the vast majority of people are unaware of the impact the tax will have on their...

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A third of people expect to wait 4-6 months for inheritance

News & Views

With only two people in five having a valid Will, our understanding of how long probate claims take to resolve is sadly lacking.

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Hidden 7% cost for flights

Money Saving Tips

Holiday season is on its way, so where are the cost savings? Peter McGahan takes a look at slippy hidden costs and points out where you can...

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Equity release – what could you do with £150,000?

Finance

Growing numbers of people are considering equity release as a financial retirement solution. But what are the pros and cons of releasing...

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Is Equity Release right for me?

Equity Release

If you see your property as the safety net for pension shortfall or long-term care costs, there are many things to consider first, writes Peter McGahan.

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Parents among biggest lenders in UK

Savings & Investments

Shock horror! Who would have thought it? 60% of first time buyers find succour at the Bank of Mum and Dad....

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Head to Malaga to breathe cleaner air in your second home

Property

Overseas property expert Stewart Andersen looks at second home options offered on Taylor Wimpey Espana's new development at La Reserva de...

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Jumping market jitters

News & Views

Peter McGahan says there are obvious points in your financial life to step into or exit financial markets – but this should never be done in response to temporary volatility.

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How to choose an architect?

Property

Loft conversions, building extensions or renovating a buy-to-let? Tina Patel has tips on where to start when choosing an architect....

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End of year tax breaks

Tax

Peter McGahan presents some common sense strategies to make the most of your tax allowance as the end of the financial year approaches....

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1 in 3 retirees underestimated how much money they needed to live comfortably during retirement

News & Views

Property has become a popular choice for funding retirement, with 1 in 10 planning on downsizing, and 1 in 20 planning to use equity release. But that is only part of the solution.

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Management charges on your pension and investments

Pensions

Peter McGahan says the public perception of pension and investment funds being actively managed bears little resemblance to reality....

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5 key people you need when selling land or property

Property

When it comes to dealing in property if your gut says someone is not the right person to represent you, then listen to that feeling says...

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Debt domino effect on economy

News & Views

Peter McGahan warns that cheap debt and complacent lending is a dangerous mix with so much uncertainty around the economy.

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House price imperfect storm

Property

Peter McGahan examines how buy-to-let landlords are being hit by new borrowing rules pushing the market down by 17% year on year. ...

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Is it time for a financial health check?

News & Views

Do you worry about money? Do you know where you stand, or is it a mystery that you'd rather park for another day?...

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Why this is looking like an excellent time to consider buying a property in France

Property

Stewart Andersen says market conditions and price stability make 2018 an attractive year to invest in property in France.

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Is your financial stress impacting your health?

News & Views

New research suggests that alongside sleepless nights, financial stress could be affecting both your mental and physical health....

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House prices? Should I stay or should I go?

Property

At a time when you may be questioning whether or not to move on or invest in a second property, Peter McGahan outlines the arguments for...

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Bitcoin bubble burst? Read between the lines

News & Views

Can the bitcoin survive in the ever-changing market? Peter McGahan explains.

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Five vital money questions you should ask your parents

News & Views

Be sure to secure your ageing parents financial future with these five important questions. ...

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Your financial New Year

News & Views

New Year promises shouldn't just be about getting active, Peter McGahan outlines the financial resolutions you should consider for the year...

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Five financial planning tips for 2018

Money Saving Tips

The end of the financial year is an opportune time to consider whether your plans are on track and highlight areas for action.

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Ten money saving tips when buying travel insurance

Money Saving Tips

The holiday is not the only thing you need to fork out on, travel insurance can be just as expensive. Make sure you get the best quote with...

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Proactive financial planning if you’re single

Money Saving Tips

Top five tips to help you have a happy financial future if you rely on a single income. ...

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Top tips to boost your retirement savings

Pensions

It’s never too late to make a difference to the life you will lead in retirement. Learning to boost your saving now can ease the transition later.

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The hidden expense of buying new property

Property

Average Britons spend £10,000 on upgrades in the first five years of living in a new property, writes Stewart Andersen....

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Reviewing your final salary pension

Pensions

Are you a member of the final salary pension scheme? It's important to know just what you will be entitled to when the time comes. ...

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The rising cost of funerals: why you need to plan ahead

Finance, Sponsored

Talking about dying is perhaps one of the greatest British taboos, but we need to plan ahead and consider how our funerals will be paid for.

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The hidden danger of drawdown

Finance

If you're considering staying in control of your own capital post-retirement, here's what you need to know. ...

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Investing in buy-to-let for extra retirement income

Property

Buy-to-let mortgages have been back in the news recently, on the one hand, there has been a plethora of tax changes which have affected...

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Will you have enough money to retire when you reach State Pension Age?

Pensions

Reaching retirement age isn’t always a cause for celebration, Age UK calls for ‘career MOT at 50’ for all to help people adjust future plans and pension savings.

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Is my company pension guaranteed?

Pensions

Transferring out a company pension scheme, is it safe to have the future of your retirement in your own hands?...

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The lifetime allowance danger zone: should you be worried about it?

Pensions

The maximum amount you can save into a pension, without a tax penalty, has reduced steadily since 2006. Find out how this could affect you...

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Helicopter Money on the way?

Pensions

Following last week’s column on quantitative uneasing or ‘quantitative tightening’, Peter McGahan questions how deeply this might impact your pensions and investments.

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The forgotten children in company pensions

Pensions

Thinking of transferring a company pension? Be warned the further you are from retirement, the less likely a transfer will be suitable....

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Pension annuities, here’s what you need to know

Pensions

Annuities often get a bad press but they remain the only instrument that can guarantee an income for the rest of your life explains Peter...

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Do I transfer my company pension?

Pensions

Scaremongering about the state of company pension schemes paints an inaccurate picture and care should be taken when considering a transfer.

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The financial plan jigsaw: are you missing any pieces?

Savings & Investments

Protection cover is an essential component of your overall financial plan; it is not a risk worth taking explains wealth manager Dan...

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Equity release in later life: the pitfalls and benefits of lifetime mortgages

Equity Release

Older consumers seeking lifetime mortgages must have their eyes wide open to the potential pitfalls, writes Ian Lane. ...

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Homebuyers don’t understand property surveys and reports

Property

YouGov survey identifies homebuyers’ lack of understanding regarding property surveys and reports.

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One in four women hides money from partner

News & Views

Nearly a quarter of British women are hiding sums of cash from their husband or partner, according to new research....

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North Korea and your pensions

Pensions

In spite of Donald Trump's sabre rattling on North Korea, markets have remained relatively stable. But pain lies ahead if a peaceful...

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Gifting your property to your children

Property

Jill Rushton, Associate and Probate Solicitor at, Stephensons, explains how to gift property to children and minimise your exposure to inheritance tax.

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Dow Jones – a chocolate watch

News & Views

Don't believe everything you hear on the news, cautions Peter McGahan, amid Trump hoorahs for the Dow Jones rising above 20k ...

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Rick Stein price for a chip butty?

Pensions

Are you confident your pension investment is delivering what it should? Here we explore why you shouldn't just leave your future pension to...

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Will the central banks crush your investments?

News & Views

The monetary policies of central banks could impact on your investments. What are your options?

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164,000 miles high of debt

Finance

Debt and how bad borrowing has handicapped the independence of consumers and the country as a whole, but what is the cure? ...

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Mind the gap

News & Views

UK workers are leaving loved ones and dependents open to extraordinary hardship on top of the pain and despair of loss by not having a will...

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Watch the rain….not the jelly

Property

Remorgaging up by 24%, buy-to-let down 60% year on year, Peter McGahan takes a pragmatic look at effect Brexit and a hung Parliament has had on the housing market.

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Passive investors and bubbles

News & Views

Peter McGahan has a cautionary tale for passive investors and the risk of bubbles to their portfolio....

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9 out of 10 Brits have unrealistic expectations of retirement costs

News & Views

Nine out of 10 Brits have unrealistic expectations of how much money they will need in retirement, reveals a new poll....

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Antonym for strong and stable

News & Views

Peter McGahan looks at how coalition government will affect business prospects and says #Brexit hasn’t yet happened but it’s very unattractive already.

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What impact will the election result have on my finances?

News & Views

Peter McGahan examines the financial implications of #GE2017 result....

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Our real spending power is falling

News & Views

Peter McGahan examines the impact of inflation on our income and investments and warns worse is to come once Brexit bites. ...

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Sell in May, buy again on St Leger’s day…

News & Views

Peter McGahan explains the positives of buying and selling shares seasonally but cautions it is not a strategy for the risk averse.

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Frexit gone, Italexit a real threat to your investments?

News & Views

Emmanuel Macron's election victory calmed France, the eurozone and financial markets but few have taken note of the threat to markets of...

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£6,200,000,000 per year on Inheritance Tax

Tax

Peter McGahan talks inheritance tax and the residence nil rate band (RNRB) which was introduced in April 2017....

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The 2.27 million investors hit by new tax on Investment income?

Tax

Peter McGahan looks at strategies for managing your investments to minimise tax liability and create an efficient portfolio income.

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