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 [...]

How to make the most of your retirement

By | 04.2018|Retirement Planning|

EVEN IF RETIREMENT ISN’T FAR AWAY, THERE ARE STEPS YOU COULD TAKE TO INCREASE YOUR EVENTUAL RETIREMENT INCOME. THIS APPLIES BOTH TO YOUR STATE PENSION ENTITLEMENT AS WELL AS TO ANY PERSONAL OR WORKPLACE PENSION POTS. We’ve provided some areas to consider that you may wish to discuss with us to help you to meet [...]

Unwritten goals are just wishes…

By | 02.2018|Financial advice|

If you do not know where you are going, how will you know when you get there? This is very true about financial goals. You need to set financial goals to help you make wise financial decisions, and also as a reward for your efforts. Goals should be clear, concise, detailed and written down. Unwritten goals are just wishes. In order to [...]

Protecting, preserving or ultimately distributing your wealth

By | 12.2017|Protection|

Ensuring that you have adequate financial protection for you, your family and any dependants is an important element of financial planning. As a healthy working person with a good income, you may feel reasonably confident that you are able to provide for your family. However, your finances could be more precarious than you think. No matter what the current [...]

When is a Self-Invested Personal Pension the right option?

By | 12.2017|Pensions|

Self-Invested Personal Pensions (also known as ‘SIPPs’) are being used by a rising number of private investors keen to take control of their retirement planning. First introduced in 1989, SIPPs have evolved into the favoured investment vehicle for individuals seeking more control and flexibility in their retirement planning. SIPPs are a form of pension available to all investors who choose to invest into [...]

Things to consider when planning your retirement

By | 10.2017|Retirement Planning|

Making sure you have enough money in retirement to enable you to spend your time the way you want to, doing those things you always intended to do, is likely to be at the heart of planning for your retirement. DON’T KNOW WHERE TO START We are all living longer, the State Pension Age is increasing and pensions legislation [...]

Planning for Long Term Care

By | 08.2017|Long Term Care Planning|

It’s a concern for many people how they will pay the cost of care either for themselves or for a loved one. The reality is that most people will be expected to pay something towards these costs. With the UK’s population ageing, more people will be living with long-term care needs. There are a number [...]

Financial Advice: Knowledge is Power

By | 07.2017|Financial advice|

The poor understanding of financial advice is particularly worrying at a time when people are faced with more complex decisions about retirement than ever before. Taking professional financial advice is vital to ensure you are equipped to make the most of your hard-earned savings and receive the income you need in retirement. Here, we explain [...]

Inheritance Tax – What are the numbers?

By | 06.2017|Inheritance Tax|

As of April 2017, the new Inheritance tax (IHT) rules have come into force, but what do they mean? As it stands each person in the UK has a Nil Rate Band (NRB).  The NRB is the amount that you have within your estate before you pay any Inheritance tax.  For any type of asset [...]

What’s your retirement plan?

By | 12.2016|Retirement Planning|

 

Are you thinking about retiring but aren’t sure where to begin with your plans? This checklist offers some tips on what things you should consider before taking the plunge to retirement.

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