This is how to make a good decision when life throws you a tough choice No matter how thorough our planning is, life inevitably tosses curveballs at us. Often these challenging moments are linked to major life transitions that affect our families, our careers, and our money. Balancing these variables can make arriving at the […]
View ArticleHow will you spend your time in retirement? And how are you going to pay for it? Have a think about some observations you have made watching other people retire…. Are they positive? Negative? Most people don’t know what they want in retirement but they know that they don’t want any less than what they […]
View ArticleHow Does Your Retirement Savings Compare to Other People Your Age? “How am I doing?” That’s a big question that most people have when it comes to their money. One way we tend to look for answers is by comparing what we have to what our neighborus, friends, and family, have. Even though we know […]
View ArticleThe Pros and Cons of Lighting a FIRE Under Your Retirement Goals A popular online movement wants to make 40 the new 65. I’m fascinated by it and follow some of the blogs and stories with interest. FIRE stands for Financial Independence Retire Early. The idea is that by working as hard as you can […]
View ArticleFinancial Planning, News, Pensions, Retirement, Tax Planning
Are you happy and content? We are generally wealthier than we were a few decades ago. Our standard of living has increased. Healthcare has improved. But we are no happier than we were back then… So where does that leave us – what should we do? How can we use the money we have to […]
View ArticleHere’s an article I wrote for Vouchedfor. Click here to read it. I don’t want to copy and paste it as google doesn’t appreciate that! David
View ArticleGibson Financial Planning specialises in dealing with clients in the Coleraine and Causeway Coast area who are either approaching retirement or already retired. Nine times out of ten these clients have saved hard and built up substantial pension pots and other sources of income for their retirement. We help them rationalise all this, build and […]
View ArticleFinancial Planning, Market Commentary, News, Pensions, Retirement
There has been much talk in the press about the imminent pension freedom reforms and a lot of resulting confusion among the public. A few simple points can be made to clarify some matters: If you have already taken pension benefits in the form of an annuity then these new freedoms will not affect you […]
View ArticleFinancial Planning, Inheritance Tax Planning, Investments, ISA, Junior ISAs, Market Commentary, News, Pensions, Retirement, Tax Planning
It always takes a few hours for the detail and ramifications of a new budget to sink in. Osbourne’s budget has been hailed as the “Beer and Bingo” budget – a fair comment? It certainly is good news for beer drinkers and bingo players but it has had a huge impact on pensions legislation in […]
View ArticleIt’s a challenge to make a blog post on pensions interesting but I’ll give it a shot! Defaqto, who provide independent financial research, recently surveyed people under 35 years old and found that less than half of them had a pension of any type. In a previous study carried in 2010, Defaqto found that 44% […]
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