Open-handed grandparents

Generosity shows no sign of stopping

Forget the headlines about post–pension freedoms with retirees spending their nest egg on a Lamborghini – new research shows that 2.4 million UK grandparents[1] have either withdrawn money from their pension to support their grandchildren or plan to in the future. Continue reading…

Pension tax relief

New tapered annual allowance for high earners

The pension tax relief system is about to be reinvented. The Government announced in the Summer 2015 Budget their intention to cut pensions tax relief for high earners by introducing a tapered annual allowance from 6 April 2016 for individuals with income (including the value of any pension contributions) of over £150,000, and who have an income (excluding pension contributions) in excess of £110,000. The rate of reduction in the standard annual allowance of £40,000 is by £1 for every £2 that the adjusted income exceeds £150,000, up to a maximum reduction of £30,000. Continue reading…


New workers face a significantly longer working life than past generations.

Retirement savings provide you with a wage in your retirement, so it is important that you keep a close eye on them.  However, with people working in more and more roles, savings pots could easily be forgotten.  To find out how we could help you in your retirement planning throughout your life contact either Tony Lloyd or Michael O’Sullivan on 020 8941 9779.

Achieving a comfortable retirement

Achieving a comfortable retirement

Do you need a professional assessment of your situation to make this a reality?

If you are unsure whether your pension is performing in line with your expectations, and that you’ve made the right pension choices – don’t leave it to chance.

Contact either Tony Lloyd or Michael O’Sullivan on 020 8941 9779 to discuss these and other important questions, and we’ll help guide you to a comfortable retirement.

New tax year, new ISA allowance

New tax year, new ISA allowance – A NISA way to save or invest

Alongside the major reforms announced in the Budget 2014, from 1 July 2014 ISAs will be reformed into a simpler product, the ‘New ISA’ (NISA), with an overall limit of £15,000 per tax year.  The Government is also abolishing the rule that says only half can be saved in cash.

Whether you’re new to ISAs or looking to grow your ISA portfolio, we can help.  To discuss the options available, please contact Michael O’Sullivan or Tony Lloyd on 020 8941 9779.

Greater choice for retirees

Greater choice for retirees

Fundamental plans to redesign the UK defined contribution pension system (as opposed to workplace pension schemes) were announced as part of the Budget 2014 speech.  This radical announcement to give retirees more choice as to how they take the income from their pension fund will mean that other options may now be given more consideration.  These changes make it even more important for those approaching retirement to seek professional help in order to make the most of their pension pot.

If you would like to find out more about how the changes could affect your future retirement plans, please contact either Tony Lloyd or Michael O’Sullivan on 020 8941 9779.

Securing your family’s financial future

Having children has never been more expensive. The costs associated with raising a family are set to remain a pressure point for families across the UK but seeing the cost of raising a child in its entirety can help people think about how to secure their family’s financial future should anything unexpected happen. Please contact Tony Lloyd or Michael O’Sullivan on 020 8941 9779 for further information.