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 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% […]
View ArticleWhen 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 ArticleFinancial 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 ArticleI 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 ArticleRead 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 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 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 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 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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