State Pension – All You Need To Know

Changes to the State Pension which took effect on 6 April 2016 were designed to simplify the system. With the earnings-related part applying to employed people removed, what you could qualify for depends on your National Insurance (NI) record For the current tax year...

Pension Advice Allowance

Financial decisions affecting your retirement income will be among the most important you’ll make during your lifetime and investing in timely financial advice could provide a welcome boost. Since April 2017 it has been possible to withdraw £500 from pension pots...

The Downside of Downsizing

The decision to sell up and move to a smaller property could come as a result of children flying the nest, the need to free up cash, or both. Whatever the reason, there are costs to downsizing that are important to know about before you make the move.  The ‘hidden’...

Saving for retirement: as easy as 1, 2, 3

Much is made of the tax benefits of saving into a pension scheme but there are other benefits to consider. As many corporate pension schemes and even government pension schemes become unsustainable, the onus to create a comfortable retirement is increasingly on the...

Pension Death Benefits

With the introduction of pension freedoms in 2015, we now have a range of options when deciding how to fund our retirement. But few of us stop to consider what might happen on our death: retirement itself seems far enough away! Under the previous regulations, only one...