The later you leave it, the more limited your options will be Successful planning is dependent on getting the foundations right, and it is most effective when it is conducted early. The later you leave it, the more limited your options will be. Current rules mean that the survivor of a marriage or registered civil… Continue reading Getting the foundations right
Category: Retirement
Increases in the cost of childcare
Families are feeling the impact of benefit cuts The cost of bringing up a child has reached £227,266, up from £222,458 last year, with the first year of a child’s life seeing the largest increase. According to the annual ‘Cost of a Child’ report from protection specialist LV=, the cost of a child’s first year… Continue reading Increases in the cost of childcare
The changing nature of retirement
Looking for an alternative to buying an annuity? When you want to access your pension pot, you have several choices. The right choice for you will depend on a number of different elements, such as your tax position, whether you have a partner, your attitude to risk and even your health. On reaching retirement, you… Continue reading The changing nature of retirement
Pensions lifetime allowance changes on the horizon
The countdown clock is ticking– will you be ready? It is estimated that potentially over 360,000[1] people could be affected by the new pensions lifetime allowance (LTA) changes, according to HM Revenue & Customs (20 March 2013). If you are one of these people, you will need to act fast, and we recommend that you contact… Continue reading Pensions lifetime allowance changes on the horizon
Tailored investment solutions
Expert, flexible approach to accumulating and managing wealth We provide clients with an expert, flexible approach to accumulating and managing their ealth. Understanding your financial circumstances is crucial in making sure we tailor the right investment solutions for you. Regardless of what stage of life you’re in, we can help you to protect and grow your… Continue reading Tailored investment solutions
Time to review your retirement provision?
Keeping track of your pension portfolio pays dividends If you’ve accumulated numerous workplace pensions over the years from different employers, it can be difficult to keep track of how they are performing. There is a danger that long-forgotten plans may end up festering in expensive, poorly performing funds, and the paperwork alone can be enough… Continue reading Time to review your retirement provision?
Income drawdown
Keeping your pension funds invested beyond your normal retirement date Income drawdown or ‘Unsecured Pensions’, became available in 1995. It allows people to take an income from their pension savings while still remaining invested and is an alternative to purchasing an annuity. You decide how much of your pension fund you want to move into… Continue reading Income drawdown
Enjoy the time of your life
Have you given full consideration to your long-term pension investment strategy? Reviewing your retirement planning Having a pension today is recognised as just one important step along the path to achieving your dreams once you have stopped working. Now, not only must you carefully consider where you actually invest your pension money and how you… Continue reading Enjoy the time of your life
Make the most of every available tax-planning opportunity
You’d better get your skates on with the end of tax year fast approaching No one likes to pay more tax than they have to but one of the challenges of wealth is the high taxation it attracts. With real-terms tax increases the prospect for the foreseeable future the pressure is on to make the… Continue reading Make the most of every available tax-planning opportunity
Its good to talk
Don’t leave tricky money confersations hanging in the air this New Year The Family Financial Tree report from Standard Life looked at the family money tree over four generations and makes some surprising findings. It reveals how families collectively manage and have talked about their personal finances. The findings, based on survey data of over… Continue reading Its good to talk
