Are You On Top Of Retirement Planning?

It’s probably fair to say that, right now, many people are more concerned with getting through the present than planning for their retirement. This is understandable. The problem with this approach, however, is that the future can arrive much quicker than it seems like it should. This means that retirement planning should always be a […]

Should You Consolidate Your Pensions?

pension advice Blackpool

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, therefore, raises the question of whether or not it’s best to consolidate them.  […]

When Can You Retire?

A smiling woman looking forward to retirement

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 position, this may be a big deal or a moot point. […]

How To Avoid Being A Poverty-Stricken Pensioner

pensioner worried about money

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 maximize your returns so that they literally fund the rest of your life. Here are […]

Should you be Pension Planning?

pension advice blackpool

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 show that many retirees […]

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 more important. In the event of your death, the money and estate that […]

Confused about pension planning?

Mortgage Blackpool

With more UK employees saving for their retirement than ever you could argue that Automatic Enrolment has been a success since its launch six years ago. However, research from the Office for National Statistics (ONS) has revealed that many people contributing to their workplace scheme don’t even realise they’re saving for retirement. Auto enrolment emerged […]