When people think about financial advice, they often picture investment recommendations, pension reviews, or annual meetings with charts and projections. What they rarely see is the invisible work happening behind the scenes — the hours spent solving problems, calming situations,…
There’s a common belief that if you didn’t start saving for retirement in your 20s or 30s, you’ve somehow “missed the boat.” That simply isn’t true. While starting early does give your money more time to grow, beginning later in…
Almost a fifth of those who use property to generate income do so for their retirement. But is this a good strategy? For many of us, our houses are our most valuable asset and we may plan to use them…
Flexibility and freedom may be the current pension buzzwords, but those people who are on the verge of giving up work are advised to consider their options very carefully. In recent years, the retirement income landscape has been transformed. Keeping…
Changes to NHS pensions mean professional help is a must for busy medical people who do not want to risk the shock of an unexpected tax bill. The introduction in 2016 of the tapered annual allowance (TAA), has made it…
‘Talk Money, Talk Pensions Week’ is the ideal time to discuss money worries, which research shows can help improve your financial well-being. More than three-quarters of employees in the UK claim money worries affect them at work, according to a…
It’s essential to do your homework before committing yourself. The relationship between you and your financial adviser is a vital one, and it could make the difference between a comfortable retirement and a penny pinching one. Just as you wouldn’t…
Self-employment brings both freedom and responsibility. Though you have more control over your finances than when you are in a salaried position, there are many things you need to think about to make the most of your new status. Using…
Once you reach 55, if you have saved into a defined contribution pension, you can take out a quarter of your money tax-free as soon as you like. Tempted? Here are some of the decisions you could make about what…
