2020 has been a difficult year for many of us. As it draws to a close, perhaps it's an appropriate time to focus on the things you can control and think about the action you could take to improve your finances in 2021 and beyond. This article provides an overview of 4 areas for [...]
How the pandemic is leading to changes in future retirees' plans... This article provides an overview of 5 areas for you to consider: Take Control Of Your Retirement Plans Staggered Retirement Flexible Retirement Income Delaying Retirement Retirement Wealth Check 1) Take Control Of Your Retirement Plans Have you [...]
When it comes to cashing in pensions, what are pension freedoms and when do the rules apply? This video outlines the three main options you have when cashing in pensions, which for many will be the most important financial decision they will ever make and include: The Piecemeal Approach Income Drawdown Buying an [...]
Have far have you got when it comes to preparing for retirement? Retirement is much more than just about money. In this video, we will also explore the emotional aspect of preparing for retirement and the things you need to consider to be able to enjoy it. [...]
£19m has been released each day since the launch of Pension Freedoms. In his 2015 Spring Budget, then-chancellor George Osborne introduced sweeping changes to the way that pensions are taxed. The new pension freedom rules have led to the over-55s being faced with a variety of different choices when taking and investing their [...]
Have you had many jobs and accumulated multiple pension pots? On average people now have several different jobs in the course of their working life. So, it’s not uncommon to start a new pension for each job. This means that you may end up with multiple pension pots with various providers. Pension consolidation may mean [...]
However much you might be counting down the days to freedom, if you're in a reasonably-paid, moderate-status job, or running your own business, retirement could be a shock to your system. Once you've gloried in the luxury of a few lie-ins, and enjoyed some well-earned Rest & Relaxation - what next? It can be [...]
A great Pension Advisor can save you money and worry, and set you up successfully for the years to come. Recommendations from friends and family are one way to find someone, but it’s not easy to know if they have given good advice until years later. This blog, by a Cardiff independent pension financial [...]
NEARLY £20 BILLION OF PENSION MONEY GOES UNCLAIMED AND THIS FIGURE IS GROWING The scale of the UK’s lost pensions mountain has been exposed by the largest study yet by the Pensions Policy Institute that found 800,000 pensions were lost and worth an estimated £9.7 billion. It estimates that, if scaled up to [...]
It's not every day you receive an email titled: "Congratulations, you've become one of the few Independent Financial Advisers in the UK to have attained the Pension Transfer Gold Standard" But that's exactly what I received this morning! On Thursday (30th May 2019), the Personal Finance Society confirmed that I can now display this [...]