We are pleased to announce that our offices are open. Clients new and old will be welcome to come and discuss their financial plans and circumstances. For the continued safety of everybody we have acquired Personal Protection Equipment (PPE), such as face masks, face shields and gloves. We also supply hand sanitisers and surface wipes. And for extra protection we have fitted our interview rooms with protective screens. Of course, we want to remind everyone entering our offices to observe the social-distancing rules of two metres as we want us all to stay safe.
Before you take money out of your pension – READ ON
Many retiring today can look forward to several decades in retirement, so taking the right decisions about your pension pot is important, as you will want your money to last at least as long as you do.
There’s growing evidence that pensioners are treating their pension pots more like bank accounts. In the second quarter of this year, savers withdrew £2.3bn, according to data produced by HM Revenue and Customs, an increase of 35% on the first quarter. The money withdrawn represented full or partial withdrawals, flexible drawdown or the purchase of […]
People put off buying life insurance for a variety of reasons and they shouldn’t. Not only does life insurance give valuable peace of mind to families up and down the country, each year insurers pay out millions of pounds to families to help ease the financial strain caused by life’s unexpected events. Here are a […]
Scammers are increasingly targeting older people, with many of the crimes they commit involving bank account fraud or the selling of bogus or unsuitable investments. Although cold calling is to be banned, the elderly can still be contacted in other ways, so its important that their interests are protected. According to the Alzheimer’s Society 850,000 […]
Drawdown – A popular choice, but advice is essential
Income drawdown is where you leave your pension pot invested and take an income directly from it, instead of using the money in your pot to buy an annuity from an insurance company. As the rest of your pot remains invested, it will continue to benefit from any investment growth. Since pension reforms were introduced […]
Every day we enjoy the benefits of an interconnected world. We might start our day with a cup of coffee that originated in South America, check our email on a smartphone designed in California and manufactured in Taiwan, then dress in clothes woven from Egyptian fabrics before driving a German-made car or riding in a […]
Do we need targets to help us save more for retirement?
The Pensions and Lifetime Savings Association (PLSA) has come up with ab suggestion to help people keep their pension plans on track. It has called for savings targets to be put in place to help individuals save enough for a good pension in their retirement years. According to research (PLSA, Nov 2017 One Family, Nov […]
Individual Savings Accounts (ISAs) are a great way to invest free of tax on the income and any capital gains. The amount you can put in each year has gradually increased. A growing number of people are becoming ‘ISA millionaires’ as a result of rising stock market prices, and the steady increase in the annual […]
Wills were once perceived as only something to worry about if you were very old and very rich. Having our financial affairs in order brings a huge comfort regardless of life-stage or degree of wealth, yet still only around a third of UK adults have written a Will. Why bother? First and foremost, a Will […]
Embrace market pricing The market is an effective information-processing machine. Millions of participants buy and sell securities in the world markets every day, and the real-time information they bring helps set prices. Don’t try to out guess the market The market’s pricing power works against investment fund managers who try to outperform through stock picking […]