De-risking pension savings
Protecting assets from market volatility in the lead-up to retirement For many individuals, their pension investments are allocated to funds. These could be funds selected by their pension provider or …
When you retire, the investment dynamics change
Investing after retirement is quite distinct from accumulating wealth during your working years After a lifetime of hard work, you’ve successfully built a substantial and comfortable retirement account. Congratulations are …
Living to the ripe old age of 100
Life expectancy significantly influences the size of the pension pot you will need Living to the ripe old age of 100 could require an additional £260,000 in pension wealth to …
Steps to take to get ready to retire successfully
Paving the way for a financially secure and enjoyable post-working life Identifying what will bring you tranquillity and satisfaction in your retirement is a crucial first step. However, understanding the …
National Insurance Contributions (NICs)
Significant reforms and rates cut for millions of workers National Insurance is a cornerstone of the welfare and benefits system. As a citizen, your contributions will likely play a significant …
Tax-saving measures
What actions to review before the 2023/24 year-end? Have you recently evaluated your personal tax situation? Is your tax structure optimised for efficiency? As we approach the end of the …
Balancing profit and planet
Striving to use impact to boost investment returns ESG (Environmental, Social, and Governance) investing, a socially responsible investing approach, seeks to harmonise financial returns with a company’s environmental impact, stakeholder …
A tax-efficient, flexible method for future planning
Time is running out to use your 2023/24 ISA allowance Investing in an Individual Savings Account (ISA) is a tax-efficient, flexible method for future planning. One of the most attractive …
Succession planning, a family affair
A delicate process that requires clear communication and effective planning Transferring wealth within a family is a delicate process that requires clear communication and effective planning. Otherwise, it could lead …
Financial road map for 2024
How to devise a robust plan for wealth accumulation and protection Understanding your financial situation is crucial to achieving both short-term and long-term objectives. With a detailed insight into your …