Pensions
Setting Up Workplace Pensions
Workplace pensions are mandatory for UK employers that employ at least one person. Also known as auto-enrolment, there are certain legal obligations you need to meet, from minimum contributions to sign-up timeframes and more. This article will tell you all you need to know about setting up a workplace pension, as well as advice on […]
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The Pros and Cons of Pension Consolidation
In recent years we have seen many changes concerning pension regulations which may impact your long-term income. The subject of pension consolidation is interesting, with several pros and cons depending on your scenario. Whether you decide to increase contributions, consolidate part or all of your pensions or make any other changes, it is essential to […]
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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