Retirement Longevity

If you are in your 50s or 60s, your thoughts are probably turning towards retirement. When should you retire? How much money do you need? Your destiny is in your own hands. In trying to answer these questions, you face a problem. Because of longevity trends, we are on average living longer. With longevity increasing,…

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Millennials get real with the numbers

Millennials are chasing the home ownership dream at the potential cost of a lower income in retirement, new research [1] shows. Over a third (35%) of millennials say they prioritise saving for a deposit on a home instead of their retirement. Nearly a fifth (19%) say buying a house is the main reason they don’t…

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Tax Relief and Pensions

When it comes to managing money, one of the things some people find most difficult to understand is the tax relief they receive on payments into their pension. Tax relief means some of your money that would have gone to the Government as tax, goes into your pension instead. You can put as much as…

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Struggling with Inheritance Tax rules?

Protecting your estate for future generations – many individuals find the Inheritance Tax (IHT) rules too complicated. If you struggle to navigate the UK’s IHT regime, you are not alone. Whether you are setting up your estate planning or sorting out the estate of a departed family member, the system can be hard to follow.…

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Generous Grandparents

The bank that likes to say ‘yes’ Forget the Lamborghini – 2.4 million UK Grandparents [1] have either raided their pension to support their grandchildren or plan to in the future. According to research from LV=, a quarter of generous grandparents who have already given away money to their grandchildren [2] have taken the funds…

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Keeping Target Retirement Plans on Track

Most over 45s are not making plans to match their hopes for the future, according to research from Standard Life[1]. The vast majority (86%) of those aged 45 or over are already dreaming about escaping their working life for retirement, but only 8% of the same age group have recently checked the retirement date on…

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2018/19 Tax Changes

New initiatives you need to know from the 2018/19 tax changes. It’s important to consider the tax implications of making financial decisions. The 2018/19 tax year is now upon us and a raft of new changes have come into force. The good news is that there is little change in the overall tax burden for…

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What Will Influence Your Retirement Income Needs?

Retirement is a time for you to do the things you’ve always wanted. When considering your retirement income needs, you need to consider the types of events you would like to happen after you retire that may impact your budget. Thinking about these early could help you when you’re deciding the best way to take…

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Financial Fitness

Time to track and celebrate your wealth goals? With the Christmas festivities now a distant memory, money matters are firmly on people’s minds this year according to recent research (1). A poll of more than 3,500 UK adults (2) found the most common money goals are: putting more money into their savings accounts (21%); paying…

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Beware of the Scammers

Fraudsters employ increasingly advanced psychological tactics to persuade victims to invest. An estimated £1.2bn is lost to investment scams each year, with share sales, wine investments, land banking and carbon credits commonly used by fraudsters to target potential investors. A recent study by Citizen’s Advice found nine out of ten people would fail to spot common warning…

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Establishing Your Financial Goals

Gathering information and developing your strategy Evaluating your goals in greater depth is essential if you want to get a picture of your responsibilities and aspirations. With a full understanding of your circumstances and priorities, we’ll provide you with advice that is custom-tailored to suit your specific lifestyle goals, and together you can develop a strategy based on your personal circumstances. CASH…

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Understanding Investment Risk

Making informed decisions to improve your chances of achieving your financial goals If you want to plan for your financial future, it helps to understand risk. If you understand the risks associated with investing and you know how much risk you are comfortable taking, you can make informed decisions and improve your chances of achieving your goals. Risk is the…

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