Pensions
How to Mitigate Inheritance Tax
As they say, there are only two certainties in life, taxes and death – when it comes to inheritance tax, tax on death. However, there are legitimate ways to mitigate potential inheritance tax charges in the future, maximising assets left to your family and friends while minimising your tax liability. Before we look at ways […]
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Pension Changes and Filling National Insurance Gaps
Since introducing pension freedoms legislation in April 2015, we have seen significant changes across the UK pension sector. These include a new state pension scheme, flexible access to defined contribution pension assets, and changes to the state pension age. However, the UK government recently introduced further changes that will impact short, medium and long-term returns. […]
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What is the future of the lifetime allowance?
This content is for information and inspiration purposes only. It should not be taken as financial or investment advice. To receive personalised, regulated financial advice regarding your affairs please consult an independent financial adviser. The lifetime allowance (LTA) was, until recently, a “cap” on the total value that you could hold in your pensions without […]
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Have we now reached “peak retirement”?
This content is for information and inspiration purposes only. It should not be taken as financial or investment advice. To receive personalised, regulated financial advice regarding your affairs please consult an independent financial adviser. Is Britain poised to enter a “golden era” of retirement, or have these days already passed? With people living longer compared […]
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Is early retirement a good idea?
This content is for information and inspiration purposes only. It should not be taken as financial or investment advice. To receive personalised, regulated financial advice regarding your affairs please consult an independent financial adviser. Early retirement is a deeply-held dream for many people. Yet in 2023, the rising cost of living has brought that ambition […]
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How to avoid running out of pension money
This content is for information and inspiration purposes only. It should not be taken as financial or investment advice. To receive personalised, regulated financial advice regarding your affairs please consult an independent financial adviser. The idea of living off your savings in retirement can feel intimidating. Throughout your adult life, you have likely relied on […]
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Your rights if a company pension scheme fails
This content is for information and inspiration purposes only. It should not be taken as financial or investment advice. To receive personalised, regulated financial advice regarding your affairs please consult an independent financial adviser. What happens to your pension if your former employer goes bankrupt? Does it simply vanish? In this article, our financial planners […]
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Can I fund my retirement using Buy to Lets?
This content is for information and inspiration purposes only. It should not be taken as financial or investment advice. To receive personalised, regulated financial advice regarding your affairs please consult an independent financial adviser. The idea of building a property portfolio – to bring in a retirement income via rents – is often very attractive. […]
Posted in Pensions
Will your pension achieve a comfortable retirement?
This content is for information and inspiration purposes only. It should not be taken as financial or investment advice. To receive personalised, regulated financial advice regarding your affairs please consult an independent financial adviser. How much do you need to retire comfortably? £20,000, £30,000 or perhaps more? Naturally, a large part of the answer depends […]
Posted in Pensions
A guide to the Lifetime Allowance in 2022
This content is for information and inspiration purposes only. It should not be taken as financial or investment advice. To receive personalised, regulated financial advice regarding your affairs please consult an independent financial adviser. Did you know there is a limit to how much you can save into a pension? This is called the Lifetime […]
Posted in Pensions