Retirement Planning
The Early Exit Retirement Plan Most People Overlook
Most people assume they’ll work into their late 60s, not because they want to, but because they think they have to. But what if that assumption is wrong? The truth is, many people could stop working sooner than they realise. The key is knowing your number and testing the plan, not relying on guesswork or […]
Posted in Retirement Planning
How to Boost Your Retirement Income Without Paying More Tax
You’ve spent decades building your retirement savings, now it’s time to make that money work for you. But here’s the thing: the way you draw your income matters just as much as how much you’ve saved. Get it right, and you could keep more in your pocket every year. Get it wrong, and you could […]
Posted in Retirement Planning
Why Relying on Just a Pension Might Not Cut It: The Case for a ‘Blended Retirement’
Putting all your eggs in one basket is never a good idea. The same goes for income. Relying on one type in retirement might feel like a simple idea, but it can leave you exposed. Markets fluctuate, tax rules change, and your spending needs will likely shift over time. That’s why more people are building […]
Posted in Financial Planning, Retirement Planning
Understanding Tax-Efficient Investing in 2025: What You Should Be Doing Now
There’s certainly more than one smart way to make your investments tax-efficient in 2025; the best approach really depends on what you’re aiming for. Whether you’re building a nest egg, helping your little ones get ahead, or thinking about what to pass on, 2025’s tax rules mean the structure of your investments matters just as […]
Posted in Retirement Planning
How Delaying Your State Pension Could Impact Your Retirement
When it comes to your state pension, timing is everything, and many retirees wonder if waiting a bit longer is a smart move. Should you claim it as soon as you’re eligible or wait to get a bigger payout? While delaying your state pension can lead to a higher monthly income, it’s not always right […]
Posted in Pensions, Retirement Planning
How Much You Really Need For A Comfortable Retirement
Your retirement should be a time of relaxation and enjoying the fruits of your labour from a lifetime of work. However, too many individuals underestimate how much is required for a comfortable retirement, or what is classed as a comfortable retirement in the first place. This article will explore the different levels of retirement and […]
Posted in Financial Planning, Retirement Planning
Is 2025 a Good Year to Retire?
Historically, retirees have been able to finish their careers feeling confident about their financial future. However, in recent years, the retirement landscape has changed significantly and there’s less certainty for many people nearing retirement age. From the risks you can’t control to those you can, and whether your financial situation can withstand the pressures of […]
Posted in Pensions, Retirement Planning
Financial Retirement Risks – Is Your Pension Pot Enough?
The fundamentals of retirement planning are changing and dynamics are shifting. This means that traditional pension saving might not be enough and that alternatives must be found. This article will delve into some of the most likely retirement risks and help you combat them with your savings and investment strategies. A Shift in Pension […]
Posted in Pensions, Retirement Planning
The Budget, Inheritance Tax, and Your Pension
The biggest pension bombshell of the Budget came in the form of an IHT (inheritance tax) announcement. It states that as of April 6th, 2027, inherited pension funds will be liable to IHT, so some savers will have to rethink their retirement planning. In this article, we’ll explore the changes and explain who will be […]
Posted in Financial Planning, IHT Planning, Pensions, Retirement Planning
Pension Tasks to Tackle Right Now
With rising life expectancies, higher retirement ages, and fewer workplace pension schemes, the onus is on individuals to boost their pension savings. Unfortunately, however, too many people treat their pension as an afterthought and don’t save enough for a happy retirement. In this article, we’ll teach you the most pressing pension tasks to tackle now. […]
Posted in Financial Planning, Pensions, Retirement Planning