The State Pension – all you need to know
Changes to the State Pension which took effect on 6 April 2016 were designed to simplify the system. With the earnings-related part applying to employed people removed, what you could qualify for depends on your National Insurance (NI) record. For the current tax year 2017/2018, the new State Pension is £159.55 per week. To be […]
What’s the cost of a comfortable retirement?
Have you ever stopped to think about the monthly income you’d need to provide for a comfortable retirement? If you’re thinking it would be the equivalent of your current salary you’ve probably overestimated. Lifestyle in Retirement Remember, by the time you retire, you will hopefully have paid off your mortgage, your kids (if you had […]
Achieving your financial goals
We lead complex lives in an increasingly complex world. As financial planning experts we can help you better understand your financial challenges, goals and needs, and help you find appropriate ways to meet them. Even a seemingly straightforward financial goal can involve numerous decisions and a lot of time and effort getting it right. Whether […]
Pension death benefits
With the introduction of pension freedoms in 2015, we now have a range of options when deciding how to fund our retirement. But few of us stop to consider what might happen on our death: retirement itself seems far enough away! Under the previous regulations, only one dependant of the pension plan holder could inherit […]