Revolutionising the retirement landscape

Navigating complex decisions to shape your retirement finances
Pension freedoms have put a greater onus on people to keep themselves informed of their options when it comes to accessing their pension money. However, little knowledge and understanding of the rules could mean some people risk making decisions that are not best for them. Continue reading…


Caveat emptor: ‘let the buyer beware’

Increase in victims of financial scams related to COVID-19
As a result of the coronavirus (COVID-19) pandemic, there has sadly been an increase in the number of fraudsters exploiting people’s fears, targeting pension savers, investors and online consumers. Continue reading…


Setting up a new life

One of the freedoms of retirement is getting to choose where to live
What makes a good place to retire? It’s one of the most basic questions people ask themselves when they start planning for retirement. It’s also one of the most crucial questions and one that, surprisingly, many people don’t give a lot of thought to. Continue reading…


Care in later life

Making the difficult choice between live-in care and a care home
One of the biggest challenges of the 21st century is Britain’s ageing population. As later-life care becomes more prevalent, whether you are considering this for yourself or a relative, covering the costs involved can be significant. Continue reading…


Rewritten retirement rules

Looking to discover what you can do with your pension pot?
In 2015, the retirement rules were rewritten. The rules, which came into effect from 6 April 2015, have changed the way people take money out of their pensions, with new freedoms and options available to anyone over the age of 55. Continue reading…


Funding care

More of us can expect to require some form of long-term care

Whether you are looking for care for yourself or a loved one, chances are that one of your first thoughts is going to be: ‘How much is it going to cost?’, swiftly followed by, ‘Who is going to pay for it?’ Understanding all of the different funding options can make a big difference to the care you ultimately choose. Continue reading…


Navigating the financial impact of COVID-19

How people’s physical health and financial well-being are being affectedx

Needless to say, coronavirus (COVID-19) has had, and will continue to have, a major impact on our lives. It is not just impacting on people’s physical health but also their financial well-being. Research highlights how the finances of the UK’s households have been affected by the coronavirus outbreak[1].

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Happiness is freedom

With greater freedom comes greater responsibility

‘The secret to happiness is freedom’ wrote the ancient Greek historian Thucydides. And with the introduction of the pension freedom rules, those aged over 55 now have far greater freedom of choice over how they use their pension pot to fund their retirement years.

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Silver splitters


Financial fall-out of divorcing in middle age

While the number of couples divorcing has decreased in recent years[1], with 91,299 cases in 2018 compared to 102,007 in 2017, the cohort of couples deciding to split in later life is on the rise. Also, pre-pandemic divorce valuations could have changed by as much as 30%, which may lead to some people receiving unfair settlements if valuations are not updated[2]. Continue reading…


Delaying retirement


Pandemic forcing a widespread rethink of retirement plans

The coronavirus (COVID-19) pandemic crisis has thrown some of the nation’s retirement plans up in the air. As a result, a number of people over 50 and in work are set to delay their retirement (15%) by an average of three years, or keep working indefinitely (26%) as a direct result of COVID-19, according to new research[1]. Continue reading…