Retirement planning journey
WHAT YOU NEED TO CONSIDER AT EVERY LIFE STAGE When you’re starting out working in your 20s, you may not be thinking about retirement in 40 years’ time. The same goes for your 30s, 40s and even 50s. There is always something on the horizon you could be saving for besides your retirement. No matter […]
Wealth preservation
HOW TO MINIMISE A CAPITAL GAINS TAX BILL The rules around Capital Gains Tax (CGT) are complex and they differ depending on your financial situation. It’s a complicated tax and, as a result, some people may get confused about how much they should expect to pay. WHAT IS CAPITAL GAINS TAX? Capital Gains Tax is […]
Retirement Clinic
ANSWERS TO THE MYTHS ABOUT YOUR PENSION QUESTIONS If you are approaching retirement age, it’s important to know your pension is going to finance your plans. Pension legislation is extremely complex and it’s not realistic to expect everyone to understand it completely. But, since we all hope to retire one day, it is important to […]
Conscientious Investor
INVESTING TODAY TO HELP MAKE A BETTER TOMORROW In a fast-changing world, sustainability is a growing concern for investors. Sustainable investing funds position investors to manage the risks associated with environmental, social and governance (ESG) factors, capture the opportunities and contribute to positive change. The tremendous toll of the coronavirus (COVID-19) pandemic crisis – on […]
Steps Towards A Better Financial Future
GROW, PROTECT AND TRANSFER YOUR WEALTH Financial planning is a step-by-step approach to ensure you meet your life goals. Your financial plan should act as a guide as you move through life’s journey. Essentially, it should help you remain in control of your income, expenses and investments so you can manage your money and achieve […]
Minimum Pension Age To Increase
AGE CHANGE TO WHEN PEOPLE CAN START TAKING PENSION SAVINGS A MEMBER’S PROTECTED PENSION AGE WILL BE THE AGE FROM WHICH THEY CURRENTLY HAVE THE RIGHT TO TAKE THEIR BENEFITS. THE PROTECTED PENSION AGE WILL BE SPECIFIC TO AN INDIVIDUAL AS A MEMBER OF A PARTICULAR SCHEME. The government has confirmed that it plans to […]
It’s Good To Talk
GETTING FINANCIAL HELP DURING THE CORONAVIRUS (COVID-19) PANDEMIC The coronavirus (COVID-19) pandemic has not only dealt a blow to the UK economy, many people and families have unfortunately experienced financial hardship. According to a recent survey, 31% of the population say they are struggling with their finances due to the effects of the pandemic. With […]
Sustainability Matters
PLAN FOR A BETTER TOMORROW, TODAY Responsible investment is a catch-all term to broadly describe funds that invest to make a positive change, either to the environment or for society. Within this umbrella term there are four broad investment approaches: ethical exclusion; responsible practice; sustainable solutions; and impact funds. Increasingly more pension savers are asking […]
Grandparents, Grandchildren And Money
SHARING YOUR WEALTH DURING YOUR LIFETIME CAN MAKE A BIG DIFFERENCE With all of us leading longer lives, you might be considering how you can help your family when it matters most. Sharing your wealth during your lifetime can make a big difference and bring you a lot of joy, particularly when helping younger generations […]
Retirement Options
WHAT CAN YOU DO WITH YOUR PENSION POT? When the time comes to access your pension, you’ll need to choose which method you use to do so, with options including: There are advantages and disadvantages to each method, and in some cases your decision is permanent, so it’s important to ensure that you obtain professional […]