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Pension drawdown in an era of long-life expectancies

  Retirement planning means taking into account a whole host of factors. You have to navigate tough questions like, ‘What will the impact of inflation be?’ or ‘When will interest rates start to creep up?’ As well as these, there is another question that must be considered: ‘How long will you live?’ This question is...

How will equity release affect my family?

The choice of whether or not to release equity from your family home ultimately rests with you. However, the decision will have wide reaching consequences for your family. It’s sensible, before releasing equity, to see a financial adviser who will explain the ramifications. There are two main forms of equity release – lifetime mortgages and...

How can millennials get on the property ladder?

  There’s been a lot of talk in the press recently about generational inequality, which has mostly been with good reason. Those currently in their twenties and thirties are earning far less than people the same age did 10 to 15 years ago. The 2008 recession has put the millennial cohort far behind in terms...

New Year’s Financial MOT

  The beginning of a new year is the most popular time to set goals and make plans, and everyone’s resolution list should include a financial MOT. January is the time for looking forward and ensuring your finances are in order. New year, new you, right? We’re all used to taking our cars for their...

6 pointers for your resolutions list

  The start of a new year is a popular time to make a resolution to live your life differently, whether that’s improving your health, learning something new or managing your money more effectively.  Below we list a few simple pointers for how you might improve your personal finances. Get organised Get on top of...

Exploring your ISA options

Time to give your financial future a boost? The end of the tax year on 5 April is fast approaching, so make sure you’ve made the most of your annual allowances before it’s too late. No matter what, why or how you want to save and invest, an Individual Savings Account (ISA) could help make...

For the life you want

Building up your nest egg is more discipline than difficult For today’s retirees, retirement has changed almost beyond recognition since their parents’ day. Building a retirement fund requires one to save enough money to pay your bills and continue living comfortably when you are no longer drawing an income. ‘INVESTING FOR GROWTH IS SUITED FOR...

Income seekers

Not putting all your eggs in one basket Everybody has investment goals in their life, from the old adage of saving for a rainy day to planning a comfortable retirement. There are many reasons why investors might seek an income stream from their investments, for example, to pay for a dependant’s education, supplement a pension...

Keeping it in the family

Keeping it in the family and careful planning can reduce or even eliminate the inheritance tax payable Intergenerational planning helps you put financial measures in place to benefit your children later in life, and possibly even your future grandchildren, so it’s important to start planning early. Without appropriate provision, Inheritance Tax (IHT) could become payable...

Looking at the big retirement picture

Considering making contributions ahead of the tax year end? Investing for the future is vital if you want to enjoy a financially secure retirement, and it requires you to look at the big picture. Although pensions can be complicated, we will help you get to grips with the rules if you are considering making contributions...