Dates for your diary
The state pension age is the earliest age at which you are able to claim your state pension benefits. For many years this has been 65 for men and 60 for women, but things are soon to change. And the age at which you can claim that state pension will be determined by when you were born. However, this could all change again under a new government following the forthcoming general election.
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Complex calculations mean there are a number of factors to consider
Divorce can create financial difficulties. The pensions of both parties in a divorce may be considered when the court decides what money goes where. If one spouse never worked, while the other built up a large pension fund, this will have to be taken into account and the calculations can be complex.
Continue reading “Dividing pension rights in a divorce”
Making the right informed decisions is the key
We provide solutions for the diverse needs not just of our wealthy clients but also of those who aspire to become wealthy, enabling each individual to structure their finances as efficiently as possible.
Continue reading “Are you an income-seeking saver?”
Managing the risk that could ultimately threaten your company’s profits
A vital part of any business is the people who work there. But what if something happened to one of the key personnel in your business, for example, if an important member of staff died unexpectedly or became unable to work due to a serious illness. This could have a considerable impact on the core operations, sales and profit of your business.
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Facing up to the reality of not having saved enough
Around 55* per cent of people said they were either currently not saving enough or they had to face up to the reality of not having saved enough into a pension in the past, according to insurer Friends Provident.
Continue reading “Savings survey”
Have you taken advantage of topping up your tax-free savings?
If you are aged 50 or over, from 6 October your Individual Savings Account (ISA) allowance increased by a further £3,000 to £10,200; £1,500 of this increase can be saved in a cash ISA.
Continue reading “ISA returns of the year for the over-50s”
Shopping around to get the best deal
When you decide to take benefits from your pension savings, you are not obliged to purchase an annuity and take your retirement income from the company that you hold your pension fund with.
Continue reading “Boosting your retirement income”
Securing an income for the rest of your lifetime
If you are looking for a secure income that will not fall in value or eventually run out, an option to consider is a Purchased Life Annuity (PLA). A PLA pays you income in the same way as a pension annuity. However, it is bought using your own money rather than with money in a pension. The insurance company you choose to buy the PLA from will pay you a secure income for the rest of your lifetime in exchange for your capital.
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Selecting a broad spread of instruments
There is a whole range of opportunities open to an investor wishing to generate extra income or build up a capital sum for the future. If appropriate to your particular requirements, one option to consider is collective investment schemes.
Continue reading “Bespoke investment solutions”
Have you considered your options?
Buying an annuity is typically a one-off purchase, so it’s essential to obtain professional advice to ensure that you can achieve a wealthier retirement.
Continue reading “Achieving a wealthier retirement”