Setting investment goals can be key to securing your financial future and its vital to create and maintain the right investment strategy to meet them. How much control do you want over your investments? Do you prefer to be in charge, or do you want someone to invest for you? Volatile markets can test your…
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It is difficult to comprehend that you would ever lose the ability to manage your own affairs, but mental and physical incapacity can happen to anyone at any time. In England and Wales, a Lasting Power of Attorney (LPA) is a legal document that allows you to appoint one or more people to make decisions…
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When it comes to managing money, one of the things some people find most difficult to understand is the tax relief they receive on the 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…
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The future may seem far away, but you need to start planning early. Regardless of your goals, there are things you can do to increase your chances of success! We look objectively at your plans to provide solutions that work as your priorities change over the years and you go through different life events. Many…
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When it comes to managing risk pensioners are ‘in the dark’ over how to protect their pots if markets tumble. Many retirees are at risk of overlooking their pension finances by falling into an avoidable trap, according to new research. A third (36%) of people keeping their pension invested through retirement could be hit harder…
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Millennials are set to redefine wealth sharing between generations, according to new research [1]. Contrary to expectation, it is not millennials (aged 18-34) who appear to be under the greatest financial strain, with 44% saying they are ‘comfortable’ financially. In fact, the research shows they are trying to do the right thing. Three quarters (73%)…
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Everybody has investment goals in their life, from the old adage of saving for a rainy day to planning a comfortable retirement. There are many reasons why investors might seek an income stream from their investments, of example, to pay for a dependant’s education, supplement a pension or fund the cost of care, yet achieving…
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Who wants to be a millionaire? Getting there could be easier than you think – but you’ll need to start young! Parents could make their baby an adult millionaire by starting a pension pot when they are born. Children born this year could become millionaires by their 43rd birthday if their families contribute to a…
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Keeping it in the family; careful planning can reduce or even eliminate the Inheritance Tax payable. Inter-generational planning helps you put financial measures in place to benefit your children later in life, and possibly even your future grandchildren, so it’s important to start planning early. You may want to keep an element of control when…
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We’ve pulled together some top pension tax tips for those looking at the big retirement picture and considering making contributions ahead of the tax year end. Investing for the future is vital if you want to enjoy a financially secure retirement, and it requires you to look at the big picture. Although pensions can be…
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Treasury enjoying a tax bonanza from pension withdrawals. Following changes introduced in April 2015, you now have more choice and flexibility than ever before over how and when you can take money from your pension pot. You can use your pension pot(s) if you’re 55 or over and have a pension based on how much…
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Building up your nest egg is more discipline than difficult but is vital for the life you want in retirement. For today’s retirees, retirement has changed almost beyond recognition since their parents’ day. Building a retirement fund requires saving enough money to pay your bills and continue living comfortably when you are no longer drawing…
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