There’s an old saying “You can’t take it with you”. But you can leave it behind as part of an inheritance. Ensuring that your descendants get the most from your gift takes some planning. In this post we run over some of the ways you can do that. If you’d like to talk to us […]
It is essential that you start to plan for your retirement as early as possible so that you are able to live comfortably in the knowledge that your lifestyle needs are covered. This will mean careful consideration of your pension fund throughout your working life. With retirement planning, it is important to take into account […]
Most over 45’s are not making plans to match their hopes for the future, according to research from 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 on […]
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 debut acquired during (and sometimes before) marriage are divided between former spouses. Putting a price tag on a divorce […]
Increasingly, more and more pensioners are keeping much of their pension invested after they retire. This means they’re faced with two very different risks when deciding what to do with their savings in retirement in a world of ‘pension freedoms’. Since April 2015, people who reach retirement have had much greater flexibility over how they […]
Many people have lots of questions about the UK State Pension and retirement planning so we created this Frequently Asked Questions post to help answer as many questions as we can. If your question isn’t answered here call us on 0113 436 0110 or fill in our contact form we’ll be happy to help. How […]
The pension lifetime allowance is a limit on the value of payouts from your pension schemes – whether lump sums or retirement income – that can be made without triggering an extra tax charge. The lifetime allowance for most people is £1,030,000 in the tax year 2018/19. It applies to the total of all the […]
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 […]
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 […]
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 […]
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 […]
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 […]