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Transferring Pensions Whilst in Poor Health

2018-11-26T09:37:19+00:00November 26th, 2018|

Since pension freedoms in April 2015, many people have taken full advantage of this new found control and flexibility. In particular, the tax advantages in death benefits now if dying before the age of 75. However, a recent court case has now highlighted the issues of transferring a pension whilst in poor health. In what [...]

Remortgaging – Is it right for you?

2018-07-18T12:45:24+00:00July 17th, 2018|

What is a remortgage? Remortgaging involves switching your current mortgage deal, either by moving to another lender or by changing your arrangements with your current lender. It is quite common for borrowers to consider doing this when their fixed, discounted or introductory tracker rate expires. With Bank of England interest rates still low, and with [...]

Should you review and consolidate your pensions?

2018-07-05T06:32:18+00:00July 5th, 2018|

Managing your retirement savings in one place. Today it has become very common to have been employed by various companies and made contributions to a pension during our time in each role. This means that many of us will have more than one pension, but this can make it difficult to keep track of all [...]

Investing: Never Put All your Eggs in One Basket…

2018-06-22T08:07:08+00:00June 22nd, 2018|

Diversification of your investments is crucial to reduce losses and preserve capital during stock market uncertainty. Historically, investing in the stock market has afforded much greater potential for growth than saving in but this all very much depends on the level of investment risk you are comfortable with. Many people get excited by the idea [...]

Using Pensions to Claw Back Lost Child Benefit

2017-09-11T15:18:14+00:00September 11th, 2017|

Do you earn between £50,000 and £60,000 per annum? You could legally be reclaiming up to £1,789 a year in lost child benefit. Thousands of families are failing to take advantage of a little-known quirk in the tax rules which means that paying more into your pension would allow you to reclaim any child benefit [...]

Self Employed Not Taking Advantage of Pension Tax Benefits

2017-08-16T12:12:40+00:00August 16th, 2017|

Generally, employers now automatically enrol their employees into a workplace pension scheme, assisting their workers’ financial security for the future. However, if you’re self-employed then it’s your own responsibility to start a pension to take advantage of Pension Tax Benefits. There has been a noticeable fall in the self-employed saving for retirement. A recent survey [...]

Brexit uncertainty increases demand for Financial Advice

2017-08-09T16:10:24+00:00August 9th, 2017|

Brexit uncertainty increases demand for Financial Advice. Financial confidence unexpectedly is at threat with the economic uncertainty that Brexit brings. As the UK approaches their divorce of leaving a 40-year relationship with the European Union, more and more people are turning to financial advisers in order to receive guidance on their ability to save money, [...]