Heightened demand for annuities
Selecting the most suitable type and securing the best possible deal As we navigate life’s journey, retirement presents both a dream and a challenge. It’s the stage where we finally …
Environmentally beneficial investments
Sustainable retirement savings options Over recent years, our comprehension of the climate crisis has significantly transformed. Countries and organisations are becoming increasingly ambitious with their net zero targets, while many …
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 …
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 …