For richer, for poorer – it’s important you protect your pension and assets in divorce. Divorce is one of the most difficult subjects to talk about; the emotional upheaval can be difficult to deal with, but so too can the financial implications. When relationships come to an end, there are so many things to consider.…
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Cultivate the art of patience and focus on long term investment objectives. Creating and maintaining the right investment strategy plays a vital role in securing your financial future. But we live in the era of the 24-hour news cycle. Human tendency is to prioritise negative over positive news content, and no one is immune from…
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It’s important to make the most of your valuable tax allowances, reliefs and exemptions. Once we enter January, the end of the 2019/20 tax year will be just over three months away on 5 April. As this date approaches, the window of opportunity reduces if you want to make the most of valuable allowances, reliefs…
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Are you sleepwalking into retirement? How much will you need to save to afford a comfortable retirement? There is a widespread and common-sense-based perception, back to some extent by evidence, that planning and preparing for later life is associated with increased wellbeing in older age. Despite this, it’s concerning that some people at mid-life have…
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Income protection insurance can help to provide you with a monthly income in case you are unable to work. Have you ever considered what would happen to you or your loved ones if you couldn’t work due to a long-term illness or injury which results in a loss of earnings? It’s important to be able…
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We’ve put together a guide to saving and investing for a child’s future and ensuring your children or grandchildren can get the best financial start in life. Whether you want to teach your children or grandchildren smart money-management strategies, help them pay for university or set them up for financial success as adults, it’s important…
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We’ve put together 5 tips to teach your child about money. Understanding how money works is an essential life skill. Unfortunately, for a lot of people, these lessons come later than they should, and often as the result of something going terribly wrong. Not enough people make financial education a priority for children, which results…
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The early retirement dream lives on, but at what cost? Whether you choose or need early retirement, having a plan can give your money the best chance of lasting the distance. Whether lifestyle preferences or circumstances beyond your control are behind your decision to retire early, you’ll need to make a plan to help your…
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The future of work is coming as we look at the tangible benefits older workers bring to the workplace. The days of an employee turning 65, getting a gold watch or carriage clock and being ushered into a new world of golf, retirement communities and early-bird specials are rapidly disappearing. People are living longer and…
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Don’t be penalised by the tax system when you exercise your freedoms. The ‘pension freedom’ reforms of 2015 were welcomed by consumers, as they vastly widened options available to most savers at retirement. Pensions freedoms allow savers to have the flexibility on how and when to spend their money without being penalised by the tax…
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Some people like to transfer some of their assets whilst they are alive – these are known as ‘lifetime transfers’. Whilst we are all free to do this whenever we want, it is important to be aware of the potential implications of such gifts with regard to Inheritance Tax. The two main types are potentially…
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Drawdown allows most pension holders to withdraw a tax-free lump sum and reinvest the remainder as an income. But hundreds of thousands of DIY drawdown investors are unaware they can scale back or stop their withdrawals, putting them in danger of draining their retirement savings too rapidly, according to new research [1]. Half (52%) of…
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