Pension savers risk a significant tax bill. For most people over the age of 55, it is now possible to cash in or unlock all of your pension. How you take these benefits will depend on the type of scheme you have and how you want to take benefits. But concerns have been raised that…
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Exactly how much you’ll need for a comfortable retirement will depend largely on your cost of living and lifestyle choices. For many people, retirement is about sun-soaked holidays, leisurely rounds of golf and that boat they’ve always coveted. But retirement is not what it used to be, with more of us working longer to build…
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Our latest version of the TIPS magazine is now out and available to download on our website. The September/October issue covers the latest financial news and topics designed to keep you up to date and help you plan any changes in your life and financial circumstances. For most people over the age of 55, it…
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Ethical saving and investing can help make the world a better place. Whether it’s termed ethical, responsible or sustainable investing, the aim is generally the same. It’s investing your money in businesses which have some intention of making the world a better place. In the past, ethical investing was the only option if you wanted…
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Making informed decisions to improve your chances of achieving your financial goals. Your investment time frame will determine your risk profile to some extent, as this has a direct bearing on your capacity to take risk. Risk capacity is also influenced by factors such as your age, wealth, and the goals you are saving and…
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We’re delighted to announce that we’ve been shortlisted in the MoneyAge Awards 2018 for the ‘Financial Adviser of the Year’ (medium to large) category. Now in its third exciting year, the MoneyAge Awards celebrate excellence, professionalism and innovation in the hugely competitive, but critically important financial space. They look to honour those who have proved…
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How a simple list can help your loved ones after your death. Although it may not feel like it, your family finances are probably more precious than you think. It’s all well and good when the breadwinners are healthy and working, but if something unfortunate were to happen, the outlook for those around you could…
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Don’t let a lifetime’s savings and investments be lost in moments by using this guide to protecting yourself from scams. Fraudsters are getting more deceitful and even more successful. Pension and investment scams are on the increase in the UK. Everyday fraudsters are using sophisticated ways to part savers from their money, and the internet…
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More retirees drawing pensions without LPAs. People are generally living longer these days. Increasingly, more people are living well into their 80s and 90s – and some even longer. This may mean you have a long time to budget for. That’s why it is very important to consider all of your options carefully and think…
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Time to bring your investments together? If you have accumulated a number of Individual Savings Accounts (ISAs) over the years, keeping them all in one place could give you better control and help you save money. There’s a common misconception that you can’t move your existing ISAs from one provider to another. Transferring your ISAs…
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There are many things to consider when looking to protect you and your family. It may not be the most exciting of subjects, but it answers one of our most basic desires – to keep safe all that we hold dear. The State of the Protection Nation Report [1] reveals that the top reason people…
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Have you ever thought about writing a letter to yourself to describe your ideal future life, long-term goals and the process of how to plan for them? Imagining what you want your life to be like in the long term when you retire can help you think much further ahead than you might ever have…
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