I am increasingly convinced that the majority, if not all of us, have choices to make as to what we do with our money. Money can bring tremendous pressure to bear on a household and a lot of it is self-induced. People are not aware of what’s going to happen when they want to retire […]
View ArticleI’ve advised a number of teaching professionals over the past 18 months who are approaching their normal retirement date, considering retiring early or accepting a voluntary redundancy. Their main concern tends to be uncertainty about the future and the impact of their decision to leave employment on their financial future. That’s where we come […]
View ArticleI am increasingly convinced that the majority, if not all of us, have choices to make as to what we do with our money. Money can bring tremendous pressure to bear on a household and a lot of it is self-induced. People are not aware of what’s going to happen when they want to retire […]
View ArticleI meet many people approaching retirement and together we have to decide when is best for them to take benefits from their pension plans. There are a number of different options available – buying an annuity is one of them. Annuity rates are at an all time low so it would be easy to think […]
View ArticleFor a summary of the yesterday’s Autumn Statement by George Osbourne please click here By David Gibson <a href=”https://plus.google.com/100895853551824521220?rel=author”>Google</a>
View ArticlePeople who make bad money decisions can often rationalise them. Here are 10 common excuses. Human beings have an astounding facility for self-deception when it comes to their own money. We tend to rationalise our own fears. So instead of just recognising how we feel and reflecting on the thoughts that creates, we cut out […]
View ArticleSome of you will already know that I recently attained Certified Financial Planner status. I am one of ten individuals in Northern Ireland who hold this designation. It is the only globally recognised mark of excellence for Financial Planners and approximately 1000 of us hold the qualification in the UK. The Chief Executive of the […]
View ArticleFor a summary of the yesterday’s Autumn Statement by George Osbourne please click here By David Gibson <a href=”https://plus.google.com/100895853551824521220?rel=author”>Google</a>
View ArticleYou may be wondering what is happening with the new single-tier state pension. There is no doubt that the UK has a bewilderingly complex state pension that is trying to achieve something very simple. As with all government changes, some will win and some will lose… So what is being proposed? It’s simple – a […]
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