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	<title>Radcliffe &#38; Co</title>
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		<title>123 Decathlon at Calshot Velodrome</title>
		<link>http://www.radcliffe-ifa.co.uk/2012/04/123-decathlon-at-calshot-velodrome/</link>
		<comments>http://www.radcliffe-ifa.co.uk/2012/04/123-decathlon-at-calshot-velodrome/#comments</comments>
		<pubDate>Sat, 07 Apr 2012 09:18:32 +0000</pubDate>
		<dc:creator>colin</dc:creator>
				<category><![CDATA[Events]]></category>

		<guid isPermaLink="false">http://www.radcliffe-ifa.co.uk/?p=2495</guid>
		<description><![CDATA[Our very own Jacqueline Moore and James Dean are taking part in an exciting event on 15th April 2012. They will be riding track racing bikes at Calshot Velodrome and Jacqueline says: &#8220;This will certainly test our cycling skills and stamina. We have undergone training sessions prior to the event, led by British Cycling qualified [...]]]></description>
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		<title>Reminder! – Deadline for Fixed Protection is 5 April 2012</title>
		<link>http://www.radcliffe-ifa.co.uk/2012/03/reminder-%e2%80%93-deadline-for-fixed-protection-is-5-april-2012/</link>
		<comments>http://www.radcliffe-ifa.co.uk/2012/03/reminder-%e2%80%93-deadline-for-fixed-protection-is-5-april-2012/#comments</comments>
		<pubDate>Tue, 13 Mar 2012 14:34:11 +0000</pubDate>
		<dc:creator>colin</dc:creator>
				<category><![CDATA[Radcliffe Quarterly News]]></category>

		<guid isPermaLink="false">http://www.radcliffe-ifa.co.uk/?p=2472</guid>
		<description><![CDATA[For individuals with significant pension benefits it is important to remember that the standard lifetime allowance is reducing from £1.8m to £1.5m from 6 April 2012. The standard lifetime allowance is the maximum value of pension benefits that an individual, who does not have an enhanced lifetime allowance (or enhanced protection), can accumulate without facing [...]]]></description>
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		<title>End of Year Tax Planning</title>
		<link>http://www.radcliffe-ifa.co.uk/2012/03/end-of-year-tax-planning/</link>
		<comments>http://www.radcliffe-ifa.co.uk/2012/03/end-of-year-tax-planning/#comments</comments>
		<pubDate>Tue, 13 Mar 2012 14:31:28 +0000</pubDate>
		<dc:creator>colin</dc:creator>
				<category><![CDATA[Radcliffe Quarterly News]]></category>

		<guid isPermaLink="false">http://www.radcliffe-ifa.co.uk/?p=2470</guid>
		<description><![CDATA[Given that 5th April 2012 signals the end of the current tax year, this article offers a brief reminder of some of the main year-end tax planning opportunities that could be considered, depending on your circumstances. 1)  Use any Income Tax allowances by transferring investments from a higher rate taxpaying spouse to a spouse who [...]]]></description>
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		<title>Leaving might be harder than you think</title>
		<link>http://www.radcliffe-ifa.co.uk/2012/03/leaving-might-be-harder-than-you-think/</link>
		<comments>http://www.radcliffe-ifa.co.uk/2012/03/leaving-might-be-harder-than-you-think/#comments</comments>
		<pubDate>Tue, 13 Mar 2012 13:09:12 +0000</pubDate>
		<dc:creator>colin</dc:creator>
				<category><![CDATA[Radcliffe Quarterly News]]></category>

		<guid isPermaLink="false">http://www.radcliffe-ifa.co.uk/?p=2465</guid>
		<description><![CDATA[In 2010, based on data from the Office of National Statistic (ONS), over 336,000 people permanently left UK shores for pastures new and in search of a new life. Of these over 100,000 decided that mainland Europe would be their new place of residence whilst another 94,000 decided that emigrating to Australia was their dream [...]]]></description>
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		<title>European Court of Justice ruling hits Insurance Premiums</title>
		<link>http://www.radcliffe-ifa.co.uk/2012/03/european-court-of-justice-ruling-hits-insurance-premiums/</link>
		<comments>http://www.radcliffe-ifa.co.uk/2012/03/european-court-of-justice-ruling-hits-insurance-premiums/#comments</comments>
		<pubDate>Tue, 13 Mar 2012 13:02:14 +0000</pubDate>
		<dc:creator>colin</dc:creator>
				<category><![CDATA[Radcliffe Quarterly News]]></category>

		<guid isPermaLink="false">http://www.radcliffe-ifa.co.uk/?p=2460</guid>
		<description><![CDATA[We are probably all fairly aware that when we apply for car insurance or life assurance that women tend to pay lower premiums than their male counterparts.  In simple terms this is because women are statistically a lower-risk group (for example, for car insurance) and in terms of life assurance, women tend to have a [...]]]></description>
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