More baby boomers plan to stay in their own home

A growing number of ageing baby boomers are saying, ‘No thanks’ to downsizing, choosing instead to remain in the same house in which they raised their family and created lifelong memories. Generating income through equity release Of those who say they will stay, an increasing percentage will use their property to generate income through equity…

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Double delight in Professional Adviser Awards 2020

The finalists for the upcoming Professional Adviser Awards 2020 have been announced and we are delighted to have been selected in the two categories: ‘Best Support Service for Advisers’ and ‘Best Adviser Website’. The awards, now in their 15th year, seek to reward excellence within both the financial advice community and among the broader financial…

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Smart retirement plan

A long life needs a smart retirement plan and your 50s are a crunch time when saving for your retirement. If you’ve already set a retirement savings target, but have been neglecting it, the reality is that now you can’t afford to delay your planning any further – and it’s time for a careful review.…

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Is it time to update your planned retirement date?

We look at if it is time to update your planned retirement date? Millions of savers risk missing out on money from their final pension pot if their provider doesn’t have their correct planned retirement date. The analysis [1] revealed that workplace pension savers in the UK could miss out on thousands of pounds in…

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Self Invested Personal Pension

Self Invested Personal Pension (SIPPS) can provide greater flexibility with the investments you can choose. A SIPP is a pension ‘wrapper’ that holds investments until you retire and start to draw a retirement income. It is a type of personal pension and works in a similar way to a standard personal pension. The main difference…

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Looking at the bigger picture for your wealth and security

Every plan starts with a goal, just like every journey starts with a destination. Planning your financial future is not only important for your security, but it also provides peace of mind. Financial planning should be viewed as a long term approach to managing your finances. Creating your financial plan will help you see the…

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Tax-efficient shelters

Use your ISA allowance or lose it forever! Even though the Individual Savings Account (ISA) deadline may be a number of months away, and despite the tax year date remaining the same year in year out, somehow it always creeps up on us. A tax year runs from 6 April one year to 5 April…

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Women’s State Pension age changes

In the Government’s bid to ensure ‘pension age equalisation’ we look at the women’s State Pension age changes. On 3 October, campaigners lost a significant legal battle against the Government’s handling of the rise in women’s State Pension age. Up until 2010, women received their State Pensions at the age of 60, but that has…

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Protect your pension and assets in divorce

For richer, for poorer – it’s important you protect your pension and assets in divorce. Divorce is one of the most difficult subjects to talk about; the emotional upheaval can be difficult to deal with, but so too can the financial implications. When relationships come to an end, there are so many things to consider.…

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Focus on long term investment objectives

Cultivate the art of patience and focus on long term investment objectives. Creating and maintaining the right investment strategy plays a vital role in securing your financial future. But we live in the era of the 24-hour news cycle. Human tendency is to prioritise negative over positive news content, and no one is immune from…

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Make the most of valuable tax allowances, reliefs and exemptions

It’s important to make the most of your valuable tax allowances, reliefs and exemptions. Once we enter January, the end of the 2019/20 tax year will be just over three months away on 5 April. As this date approaches, the window of opportunity reduces if you want to make the most of valuable allowances, reliefs…

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Sleepwalking into retirement

Are you sleepwalking into retirement? How much will you need to save to afford a comfortable retirement? There is a widespread and common-sense-based perception, back to some extent by evidence, that planning and preparing for later life is associated with increased wellbeing in older age. Despite this, it’s concerning that some people at mid-life have…

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