Pension freedoms

Taking responsibility for funding our own retirement

Although each generation will likely face different challenges and opportunities, achieving retirement readiness will require actions common to us all. Continue reading…


Funding your golden years

Tax aspects require careful planning after recent government changes

Pensions have the reputation of being confusing, but they needn’t be. Private pensions are usually used by people who don’t have access to a workplace pension scheme, but you can also have one if you are employed or not working. They work in much the same way as workplace pension schemes, but you, rather than an employer, are responsible for choosing the provider and setting up your plan. Continue reading…


Relationship breakdowns


Why sorting out your pension may not be the biggest priority

What is likely to be a divorcing couple’s most valuable asset? The family home will spring to most people’s minds first. But the value of a pension could well be the biggest single asset in the relationship. Continue reading…


Work pressures

The greatest strains on physical and mental health

There is an increasing trend of people working for longer and delaying their retirement, with some staying in work out of financial necessity. Continue reading…


Should I stay or should I go now?


Key aspects that influence retirement decisions

Whatever you want to do when you retire, the better prepared you are, the more rewarding it will be. It’s important to assess the key aspects that will influence your retirement, as the decisions you make can have a real impact on your savings. There are some important considerations to think about. Continue reading…


Seeking a higher retirement income


Retirement needn’t be an all-or-nothing decision

The onwards march of ‘pretirement’ – where people scale back on work or slow their retirement plans down rather than giving up entirely – is continuing, with half (50%) of those retiring this year considering working past State Pension age. Continue reading…


Looking to the future


Taking the steps now to prepare yourself for retirement

With increasing numbers of people working past traditional retirement ages[1], stopping work can seem a long way off, especially for younger people. But it’s the dream of an early retirement that keeps many people going through the daily work grind. Continue reading…


‘Multi-jobbers’


Falling foul of the minimum earnings threshold

The rules around pensions are continuously changing. To make the most of your retirement, it’s essential to receive regular professional financial advice on how to build up and invest your pension effectively. Continue reading…


Pensions shake-up


Getting away from the stresses of everyday life

For many, the idea of retirement means getting away from the stresses of everyday life. But with living costs rising and interest rates low, people need to think about how to generate extra income from their savings in retirement. Pensions offer a number of important advantages that will make your savings grow more rapidly than might otherwise be the case. However, changes announced in April 2015 have lead to a complete shake-up of the UK’s pensions system, giving people much more control over their pension savings than ever before. Continue reading…


Generation still taxed


Numbers nearly double in the last two decades

With so much choice on offer, and with frequent rule changes and distinct tax benefits to consider, finding the right vehicle for your retirement planning is essential. Continue reading…