investment

Your Countdown to Retirement Checklist

aromatherapy beautiful blooming blur

As you approach the last five years before your retirement, there will be a lot of things to consider. You’ll need to think about your finances, your health, your housing situation and your plans for the future to live comfortably in retirement. In recent years, the changes to pensions legislation have created greater freedom and choice over how pension assets can be used. However, with freedom and choice comes complexity.

There has rarely been a more challenging time to retire, which is why it  has never been more important to understand your options. Remember, the choices you make today will have a big impact on the quality of your life later on.

As a result, there will be lots of questions you’ll need to ask: How much money will I need to have saved? What will my income sources be in retirement? What kind of lifestyle do I want in retirement? What will my health care needs be in retirement? What are my long-term care needs in retirement? What are my estate planning needs in retirement? What are my tax considerations in retirement?

There are also a number of things to review in order to ensure you have a comfortable and enjoyable retirement.

Read more…

Setting financial and lifestyle goals.

flat lay photography of purple clustered flowers on wood plank

The start of the new year is the perfect time to obtain professional financial advice and in doing so help secure your future – and that of your family – for years to come. Whether it’s advice on significant lifestyle changes, such preparing for your retirement, helping your children buy …

Read more…

Guide to Tax Year-End Planning

two cup of coffee lattes on saucers

It’s important to keep up with any tax changes that could affect your tax position in the future. Taking action now before 5 April could potentially save you thousands of pounds. The UK tax system is notoriously complex, but the benefits of structuring our finances tax efficiently can be significant. …

Read more…

Christmas investment gifts, not toys?

pexels-photo-177555.jpeg

Why parents should look to Christmas investment gifts instead of toys… With the festive season approaching, have you thought about gifting your children or grandchildren something different this year? Giving them a good start in life by making investments into their future can make all the difference in today’s more …

Read more…

Build your own financial plan.

purple leather notebook black pen and brown branches

Having a financial plan in place early on can make it easier to manage your money further down the line. It’s never too early to make a financial plan. The sooner you work out your goals and start following a plan to achieve them, the more likely you are to …

Read more…

Investing for Children and Grandchildren

focus photo of lavender on basket

With many of us living longer, you may be thinking about how you can support your family at the moments that matter. Sharing your wealth during your lifetime – especially with younger generations facing the pressures of rising house prices and university fees – can really make a difference and …

Read more…

Feel confident about your retirement

bright sky with fluffy clouds

If you have been diligently saving into a pension throughout your working life, you should be entitled to feel confident about your retirement. But unfortunately, the best savers sometimes find themselves inadvertently breaching their pension lifetime allowance (LTA) and being charged an additional tax that erodes their savings. If you …

Read more…

Retire Happy.

lavender field with blooming violet flowers

Planning your future has arguably never been more important. When deciding when to retire, the most important thing to consider is making sure you have enough money to live comfortably. Imagine you’re retiring today. Will you be able to financially support yourself, and potentially your family too, with your current …

Read more…

Testimonials