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 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 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 […]
View ArticleWe have become increasingly aware of companies marketing directly to the public and claiming that they can take money out of their pension before the usual retirement age of 55. Please please please exercise extreme caution – early access to pensions is rarely in anyone’s best interests. The FSA (Financial Services Authority) are paying close […]
View ArticleI have a number of clients who are in the teaching profession and have retired early or taken voluntary redundancies over the past couple of years. If you are in the same position or have friends or family members wondering whether they can afford to take a voluntary redundancy please put them in touch with […]
View ArticleI deal with a lot of clients who are approaching retirement and need advice on how best to take an income from their accumulated pension and retirement funds. Very few people have the same circumstances and it’s essential to take advice at the right time because you’ve only one chance to get it right. Very […]
View ArticleI asked one of my peers in England for his thoughts on this recent program. He kindly permitted me to publish them in a blog post. (Thanks Abraham!) Channel 4 Dispatches on Annuity Mis-selling: A Simple Solution To A Big Problem One topic that has been in the media a lot lately is how people […]
View ArticleI met with a couple last Friday. As we chatted the husband said he’d love to retire next year (aged 60) and do what he enjoyed but he didn’t know if he had enough money or how long it would last. His eyes lit up when I told him that I could provide the answers […]
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