Questions to help you live your best life in later lifeThe question,’Have I saved enough to retire?’ is a difficult one. It requires a lot of information about you, your family, your income needs in retirement, and an understanding of the various financial vehicles...

Staying on track to achieving specific financial goalsAll of your financial decisions and activities have an effect on your financial health. To help improve your financial health during this period of rising inflation and interest rates, we look at three areas that...

Don’t miss the deadline to give your pension savings a boostAs another extraordinary financial year comes to a close, it’s more important than ever to make good use of your annual pension allowances. Giving your pension savings a boost and assessing where you stand...

Bolstering your retirement lifestyle as you approach retirementHave you ever wondered what you need to consider as you approach retirement? Whatever your concept of what is a good pension pot, one certainty is that relying on the State Pension alone will not give you...

You work, you save and then you retireA full and happy retirement is a priority for many. But no two people are alike. A ’one-size-fits-all’ system cannot accurately account for everyone’s individual lifestyle choices, so it makes sense that the way you prepare for...

Savers still recognise the importance of long-term planningBritain’s cost-of-living crunch has hit the country hard, with inflation at its highest level in three decades, petrol prices spiralling, retail price increases rising to their highest levels in ten years and,...

What will the government’s proposals mean for the social care system?The government has set out its vision for the future of adult social care. New plans were announced on 7 September 2021, for adult social care reform in England. This included a lifetime cap on the...

Knowing what to expect can be an important part of planning for life after workHow much do you think you’ll need to fund your retirement? Of course, the answer to that question will depend on what you want to do when you stop work. Worriedly almost half of...

What’s the right emergency fund amount for you?An emergency fund is money you put aside to cover a financial shock. This could be losing your job, or a large, unexpected expense. Building an emergency fund can help prevent you needing to borrow money or make difficult...

The everyday choices we make all have impacts on our planetOur changing climate is making it harder to live in many parts of the world, often affecting some of the most disadvantaged communities. People are starting to realise that change is imminent and necessary....

Keeping up your current lifestyle and enjoying your golden yearsPeople planning for retirement should think hard about what they want to do when they eventually stop work. It is helpful to have a good idea of the lifestyle you want, how much it will cost and how you...

Redundancy pushes over 50s out of the workforceThe economic fallout from the coronavirus pandemic has made Britain’s workforce smaller, with a sharp rise in early retirement among older workers The disappearance of the older worker presents a serious challenge to...

Freeing up funds or releasing money tied up in your homeFor some people in the future using their home to fund their retirement is likely to become more commonplace, whether that’s by downsizing to free up funds or releasing money tied up in their home through...

Pandemic forces people to reassess their financesThe COVID-19 pandemic has affected every part of our lives and continues to have a widespread impact across all aspects of financial life. This includes retirement plans. Life in lockdown prompted many people to adjust...

Millions battling with financial hardship, relationship stress and sleepless nightsFear, worry, and stress are normal responses to perceived or real threats, and at times when we are faced with uncertainty or the unknown. So it is normal and understandable that people...

Women are being urged to think about their long term savingsImagine reaching retirement age and discovering that, despite years of saving, you don’t have enough money to get by. Worse still, suppose you’re unable to pay for the right kind of care in your old age. If...

Is your wealth protected from the damaging effects of inflation?Many people underestimate the damaging effect of low interest and high inflation on their cash savings. A continued period of low interest rates on cash savings and rising inflation could pose a real risk...

Make full use of your relevant tax planning opportunitiesWith the tax year end, 5 April on the horizon, taking action now may give you the opportunity to take advantage of any remaining reliefs, allowances and exemptions. We have provided some key tax and financial...

Time to give your financial future a boost?Savers and investors have less than three months to use the £20,000 they can put into their tax-efficient Individual Savings Account (ISA) before the end of the financial year on April 5. The current tax year started on 6...

How green is your pension?The consequences of inaction on climate change are now impossible to ignore. Every company has an impact on the world around us. And by investing in them, so do we. From devastating wildfires ripping through several countries, the aftermath...

Setting a financial New Year’s resolution you’ll actually keepHeading into the New Year, it’s the perfect time to take stock of your budget, liabilities and investments—and check them against your financial goals. The New Year brings an opportunity to reflect on the...