Stephen Groves

Author Archives

  • Tax Relief

    What’s my tax relief this year?

    When it comes to managing money, one of the things some people find most difficult to understand is the tax relief they receive on payments into their pension. Tax relief means some of your money that would have gone to the Government as tax goes into your pension instead. You can put as much as […]

  • retirement plans

    Time to sort out your retirement plans

    Most over 45s are not making retirement plans to match their hopes for the future, according to research form Standard Life. The vast majority (86%) of those aged 45 or over are already dreaming about escaping their working life for retirement. But only 8% of the same age group have recently checked the retirement date […]

  • High rated pensions advice

    High rated pensions advice

    We’re really careful with the pensions and investments advice we give our clients. We take great pains to ensure that our advice suits the exact needs of our customers, in some cases that means that we advise that they don’t invest at all. A trusted financial advisor Because of this approach we have built up […]

  • Could an ISA be a good investment for you?

    Could an ISA be a good investment for you?

    Individual Savings Accounts (ISAs) have been around since 1999 and are tax efficient investment wrappers in which you can hold a range of investments, including bonds, equities, property shares, multi-asset funds and even cash, giving you control over where your money is invested. ISAs are a highly tax-efficient way to save or invest your money […]

  • Plan your financial goals

    How to plan for your financial goals

    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 […]

  • What are my investment options

    What are my investment options?

    In the current economic climate, with interest rates still around record lows, investing in the markets could enable you to achieve an inflation-beating return and help you reach your long-term financial goals. If you’ve got sufficient money in your cash savings account – enough to cover you for at least six months’ worth of living […]

  • consolidate my pensions

    Should I consolidate my pensions?

    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. The process of bringing all your pensions together is called consolidation. It is often referred to as a transfer. If you have more than one pension pot, you might want to […]

  • Preparing for retirement emotionally

    Preparing for retirement emotionally

    Pensioners are embracing the benefits of retirement and new-found time Retirement has meant a new lease of life for millions of people who have given up work in the last ten years, with more than one in four retirees saying they are fitter and healthier since they stopped working. Far from winding down, nearly half […]

  • What’s the best way to use your pension?

    What’s the best way to use your pension?

    Working out the best way to use your pension, can seem daunting. Whether you plan to retire fully, reduce your hours gradually or to carry on working for longer, you can now tailor when and how you use your pension – and when you stop saving into it – to fit with your retirement plans. […]