How to catch up on your retirement savings
Here’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
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Paying for retirement
Gibson 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 ArticlePension Freedoms and Flexi Access Drawdown Post April 2015
Financial 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 ArticleBeer and Bingo Budget 2014
Financial 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 ArticleRetirement, Pensions and Generation X (and Y!)
It’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% […]
View ArticleFinancial Planning tips from The Sopranos
When the Sopranos first aired in the late 1990s I was a student in Belfast and watched it every week until I graduated and left Belfast in the middle of the second season. It might have taken me 11 years but I’ve finally arrived at the fourth season. The first episode, “For all debts public […]
View ArticleAre we too greedy? – Financial Planning in the Triangle – Coleraine, Portrush, Ballymoney, Portstewart
Financial Planning, Investments, Market Commentary, News, Pensions, Retirement
A friend’s recent blog post resonated with my own thinking on how we spend our accumulated wealth. Often I meet wealthy clients with a very healthy and easy relationship with their money – it doesn’t have a hold on them. Other clients are afflicted by worry and a desire for more even though they want […]
View ArticleShould I take my pension now?
I was interviewed last week by the Independent on Sunday on whether or not clients are best advised to defer taking benefits from their pension. Every case should be considered individually but the following article which includes some of my comments should be useful: Independent on Sunday: Should I take my pension benefits now? By […]
View ArticleWill you work into old age or save now to avoid poverty in retirement?
Read a great article the other day by Ian Cowie of the Daily Telegraph. It touches on a very real issue for most of us. Many people assume that retirement is so far down the line that they’ll be alright in the end and their state pensions will suffice. Really? Not that easy to maintain […]
View ArticlePoverty or comfort – it's your choice! Retirement pension investment advice Coleraine Ballymoney Portstewart Portrush
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 […]
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