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Should You Consolidate Your Pensions?

The modern pensions landscape is something of a contradiction.  On the one hand, pensions are often linked to employment.  On the other hand, people will often have several employers over their working life.  This can lead to them having multiple pensions.  It,...

When Can You Retire?

Over recent years, the state pension has made the headlines fairly regularly. One of the reasons for this is the increase in state pension age. Now, the government is proposing to increase the age at which people can access private pensions. Depending on your...

How To Avoid Being A Poverty-Stricken Pensioner

If you’re on a defined-benefits (“final-salary”) pension, then you’re probably either already drawing it or in the public sector. For most people, defined-contributions (money purchase) pensions are the only option available now. That means the onus is on you to...

Should you be Pension Planning?

Plan for what is difficult while it is easy – Sun Tzu We all know we need to save for our pension, don’t we? But we also know it’s not always that easy to find the spare cash required to do so, especially amid a global pandemic. Research studies, though, typically...

Crystallising Your Pension Plan

The extra freedom granted by the pension changes introduced in April 2015 is good news for all pension savers. However, the increased options could lead to many people making the wrong decisions and paying unnecessary tax, making professional financial advice all the...