How to build a bigger pension potIf you’re under 75 and have relevant UK earnings, you can benefit from tax relief when contributing to a personal pension like a Self-Invested Personal Pension Plan (SIPP) or workplace pension scheme within the annual allowance. The...

Is your asset allocation aligned with your risk tolerance?Your retirement portfolio serves as crucial financial support for an enjoyable retirement. Retirees with substantial portfolios may enjoy living off returns without touching the principal. However, those with...

A closer look at a financial understanding among BritonsA recent study has revealed that over half of the British population may not fully comprehend the hidden impact of inflation on their savings and buying power[1]. The research explored participants’ understanding...

Errors can have long-lasting consequences, setting you back financiallyAs individuals, we all have diverse visions for our future - some may be considering the forthcoming five years, while others may be focused on the next two decades. Regardless of your aspirations,...

Delaying retirement could boost your chances of a secure financial futureWith the persistently high inflation rate, it’s crucial for individuals nearing retirement to evaluate the impact of escalating living expenses. Adjusting or postponing retirement plans may...

Where should income-seekers turn?UK income-seekers often face the dilemma of choosing between bonds and equities for their investments. Both asset classes have their unique advantages and risks. To make an informed decision, it’s essential to understand the...

A decade-by-decade guidePlanning for retirement is essential to ensure you have the financial security to enjoy your golden years. As retirement can be a long way off, it’s essential to start saving for retirement as early as possible. To help you on your journey,...

73% of women make only minimum pension contributions, compared to 58% of menA significant difference in pension contributions between men and women has been revealed from a recent study[1], highlighting that women are more likely to pay the minimum required amount...

Many over 55s are unaware that they can access 25% of their pension pot tax-freeA surprising 43% of individuals over 55 need to be made aware that they can withdraw 25% of their pension pot tax-free, according to recent research[1]. Knowledge could lead to better...

Choosing the right pension payment strategyWhen planning for your future, consider increasing your pension savings. But should you do this through a lump sum or by raising your regular contributions? In this article, we look at each option. Why invest in your pension...

Our health, an invaluable asset, is often overlooked or taken for grantedAs a parent, ensuring the well-being of your children is a top priority. From having open conversations with your partner to creating a Will, there are straightforward measures you can implement...

Ensure your wealth is preserved for future generationsAs you enter your golden years, the excitement of finally retiring may be tinged with some uncertainty. With the working days behind you, it’s natural to wonder if you’ve amassed sufficient resources and how best...

What is it, and why is it important?Trusting that your investments are progressing toward your objectives is vital, allowing you to concentrate on the things you value most in life. This is why building a diversified portfolio is crucial to any successful investment...

Key steps to achieving a comfortable retirementA comfortable retirement is a common financial goal, and contributing to a pension is essential to achieving it. Although retirement may appear distant at the moment, there’s much to consider. Let us assist you in...

Supporting responsible practices and contributing to a sustainable futureEnvironmental, Social, and Governance (ESG) investing is a strategy that focuses on companies that prioritise environmental, social, and governance factors in their operations. Investing in these...

Time to evaluate whether you need to modify your objectives or saving strategies?As you enter your 50s, retirement is no longer a distant dream but a rapidly approaching reality. Ensuring that your investments work diligently to secure the lifestyle you envision for...

Exploring why they are an attractive option to mass-affluent investors Onshore investment bonds typically carry a lower risk and contribute significantly to a well-rounded portfolio. Historically, numerous investors have opted for a 60% equities and 40% bonds split in...

Essential information for your retirement planningA significant change is on the horizon that may affect when you can access your pension money. We’ll guide you through this change and its potential implications, so you can confidently prepare for retirement. The...

Financial responsibilities increase significantly after 25Paying essentials like utilities and council tax becomes a reality as young adults transition from student life to the workforce. The reality of financial responsibilities often accompanies the excitement of...

Deciding what to do with your pension fund can be a complex decisionAre you approaching retirement age and have a pension fund that you need to decide what to do with? There are several options available to you, but one option is to buy a lifetime annuity. An annuity...

Making decisions in relation to your financial affairs, health and welfareIt is critical to consider the potential consequences of not having a Lasting Power of Attorney (LPA) in place. Many people assume that their loved ones or close relatives will automatically...