The sooner you start saving for your retirement the more secure your future will be Saving for your retirement may not seem important when you’re starting out. But the sooner you start saving for your retirement the more secure your future will be. Having a private personal or occupational workplace pension It’s so important to […]

First post-war ‘baby boomers’ pass the old Default Retirement Age of 65 Securing your eventual financial independence in retirement requires making sure that your plans enable you to achieve this goal. Whatever provision you already have in place must be regularly updated as your circumstances and requirements change, and you need to ensure that you […]

Immediate access to your pension funds, allowing you to take out what you want, when you want it As your wealth grows, it is inevitable that your estate becomes more complex. With over 400,000 people now expected to reach age 75 each year [1], more and more people could be faced with a 55 per […]

Are you prepared for the financial needs and challenges that may lie ahead in the future? Almost 15 million people across the UK (31 per cent of the adult population) are not currently making any efforts to save for the future, while eight million people (17 per cent) have no savings to their name at […]

Take a look at our checklist to see how we could help you The closer you get to retirement, the greater the need to preserve your savings and ensure they will last all through your retirement. In addition, you’ll need to consider whether you need to make changes to your investments as you approach retirement. […]

The child benefit tax charge, introduced on 7 January, affects over one million families A family with 2 children could soon see their annual spendable income drop by up to £1,752 p.a. in 2013/14, while those with 3 children could lose £2,449 pa. With prices rising faster than incomes, it is imperative for many families […]

The important tenets of his investment philosophy and mythology Warren Buffett is considered by many as the most successful investor of the 20th century and named “one of the most influential people in the world” by Time magazine in 2012. In this article we look at Buffett’s investment mythology and analyse some of the most […]

Uncertain election results rekindle euro-crisis fears The prospect of a long period of political uncertainty following elections in Italy, the euro zone’s third-largest economy, has shattered months of uneasy calm in European financial markets and demonstrated that the currency union remains prey to shocks. Italy’s protest vote against the Eurocrats has wrenched market attention away […]

The UK has lost its AAA credit rating for the first time since the 1970s The credit rating agency Moody’s, at the end of February, downgraded the UK’s sovereign debt rating from AAA to AA1, relegating the UK to the second tier for the first time since 1978. The announcement made headline news, but it […]

Measures introduced through the Care and Support Bill come into effect in April 2017 Bills for long-term care in old age are to be capped at £75,000 in England. The recent announcement for changes to social care is thought to be part-funded by a freeze on the inheritance tax ‘nil rate band’ threshold. Chancellor George […]