Money’s too tight to mention

By | 09.2018|Pensions|

First comes marriage, then for some couples comes divorce. But a stable marriage is one of the best paths to building and maintaining wealth. Divorce, on the other hand, is expensive. Possessions, money, financial assets and debt acquired during (and sometimes before) marriage are divided between former spouses. Putting a price tag on a divorce [...]

Are you making the most of your pension?

By | 07.2018|Pensions|

By the time we have been working for a decade or two, it is not uncommon to have accumulated multiple pension plans. There's no wrong time to start thinking about pensions consolidation, but you might find yourself thinking about it if you're starting a new job or you're nearing retirement. Consolidating your pensions means bringing [...]

Top Tips For Tax Planning!

By | 03.2018|Tax Planning|

As we near the 2017/2018 tax year end, we thought it would be helpful to provide some tax planning tips to use to help maximise the use of your various tax allowance and minimise the tax you pay. Of course, these aren't appropriate to everyone but could be invaluable to some. Income Tax planning • [...]

Our top 7 pension tips for nuturing your nest egg this year!

By | 01.2018|Pensions|

We’ve provided seven pension tips for you to consider to keep your retirement plans on track this year. 1. Consider consolidating your pension pots – while it might be hard to keep track of pensions with job changes, the Government offers a free Pension Tracing Service. Bringing your pension pots together may help you manage them, but take care to understand the [...]

How much time do you spend retirement planning?

By | 08.2017|Retirement Planning|

The 2015 Pension Freedoms gave us greater flexibility over our retirement options, but the reforms have also made retirement choices much more complex. This means we need to start thinking about our retirement earlier. However, half of respondents aged 45-54 to an LV consumer survey didn't think about retirement at all last year. Given the [...]

Keeping on track of your pensions

By | 07.2017|Pensions|

It is important to keep track of your pension portfolio. It’s vital to ensure that you get the best out of the contributions you’ve made, and keep track of your pension portfolio to make sure it remains appropriate to your personal circumstances at different points in your life. Consolidating your existing pensions is one way [...]

Your options for using your pension pot

By | 05.2017|Pensions|

Under the pension freedoms rules introduced in April 2015, once you reach the age of 55, you can now take your entire pension pot as cash in one go if you wish. However, if you do this, you could end up with a large tax Income Tax bill and run out of money in retirement. [...]

Spring Budget 2017 – The Key Points

By | 03.2017|Budget Announcement|

When Chancellor Philip Hammond stepped up to the despatch box on Wednesday to deliver his first Spring Budget, he’d already announced that it was to be his last, with the financial set-piece poised to move to the Autumn from now on. With the UK potentially just weeks away from triggering Article 50 and firing the [...]

What are Defined Benefit Pension Schemes?

By | 02.2017|Pensions|

Defined benefit pension schemes are where the amount paid to you is set using a formula. This is based on how many years you’ve worked for your employer and the salary you’ve earned rather than the value of your investments. If you work or have worked for a large employer or in the public sector, [...]

UK Interest Rates Cut: What does it mean for you?

By | 08.2016|Interest rates|


With the Bank of England reducing the base rate to just 0.25%, we look at the likely impact on mortgage and savings rates and pensions.


The Bank of England have cut interest rates to a new base rate of 0.25%. This is the first cut since 2009, and how welcome it is will depend on your financial situation. The Bank also announced a new round of quantitative easing (QE) – pumping money into the economy to buy government bonds.

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