Enhancing pension contributions for a brighter future

Maximise your pension savings each tax year.

Beware the MPAA pension trap

when accessing your pension before retirement.

Powers of Attorney

Preparing in advance of vulnerability and incapacity.

Tax Relief Matters

How to build a bigger pension pot

Placing assets into Trust

Ensuring your legacy is managed according to your wishes long into the future.

Time to SIPP into Financial Freedom?

Take control of your retirement savings

Saving for retirement - lump sum versus regular contributions

Pensions might seem complex, but the fundamental concept is straightforward. A pension is a long-term savings plan designed to provide you with a stable income in retirement.

The State Pension

Understanding your options

Understanding Annuities

As interest rates remain high annuity providers are offering more attractive deals, so should annuities form part of your pension income planning?

Saving for Retirement

Pensions or Individual Savings Accounts (ISAs)?

Income in Retirement

Annuity or Drawdown?

The benefits of seeking financial advice following a Pension Sharing Order (PSO)

A PSO can be a significant financial event in one's life, often occurring during a divorce or following the dissolution of a civil partnership. It involves the division of pension assets between the parties involved. While the legal aspects of a PSO are essential, seeking advice from a certified financial professional in the aftermath of such an order can bring numerous benefits.

Is your NI contribution record up to date?

Deadline for voluntary National Insurance Contributions (NICs) approaching.

Financing Long Term Care

A cause for concern among a growing elderly population

Britain's Biggest Pension Taxpayers

How to make sure you avoid becoming one

Income in Retirement

Pension Drawdown versus Annuities - the pros and cons

The Financial Implications of an Increased Lifespan - ARCHIVED

Planning for Longevity

Striking a Balance Between Cash Savings and Investments - ARCHIVED

The Key to Financial Stability.

Beware of pension trap when accessing your pension before retirement

When workers access their pension before they retire, they could trigger the Money Purchase Annual Allowance (MPAA), potentially reducing how much they can tax-efficiently save into a pension over the rest of their career.

Changes to the pension Lifetime Allowance (LTA) introduced in April 2024

On 6th April 2024, the pension Lifetime Allowance (LTA) was abolished and a new regime for the taxation of lump sums and lump sum death benefits was introduced.

Adjusting your Pensions Plans - ARCHIVED

How could the normal minimum pension age change affect your plans.

A guide to retirement and pensions

Are you ‘mid or late career’ or planning to retire within ten years? If the answer is ‘yes,’ then you probably want to know the answers to some of the following questions: Will I be able to retire when I want to? Will I run out of money? How can I have the kind of retirement I want? To help you with these questions, we’ve provided some ideas about how to boost your overall pension savings and potentially help achieve your retirement goals sooner.

How does pension drawdown work?

Giving you the flexibility to choose how and when you withdraw your pension money.

How can I make my retirement income go further? - ARCHIVED

Steps you can take to make your money go further in retirement.

Financial Planning and Advice for the Unretired - ARCHIVED

The changes in the retirement landscape mean that many people today are having to adjust their outlook towards retirement. With more people living longer, expectations of retirement are being reshaped and there is no longer a one-size-fits-all approach to retirement planning.

How to trace multiple old pension pots - ARCHIVED

Over time, pension schemes close, merge or become renamed

Long-Term Care

One of the greatest causes for concern among a growing elderly population.

What should you consider before moving to a retirement village home? - ARCHIVED

Make a more balanced decision on whether it’s the right move for you.

Defined benefit pension schemes - ARCHIVED

Secure income for life

Approaching retirement or in retirement?

How the current economic situation could impact on your finances.

Bringing Pensions Together

What to do if you have multiple pension pots

New pension saving rules - changes introduced in the Spring Budget

In this year’s Spring Budget, the Chancellor, Jeremy Hunt, introduced some significant changes to the upper limits on tax relieved pension savings.

Does market volatility affect your pension choices?

The good news is that Pension Freedoms, introduced in 2015, means you have more choices in how and when you access your retirement savings.

Top pension tips if you're about to retire

Understanding your options and putting a plan in place.

Pensions vs ISAs

Should you opt for a pension or an ISA, or both?

Your State Pension

You might not be aware, but you don’t automatically receive your State Pension, you have to actually claim it.

Women and the pension and savings gap; how can women improve their security in retirement?

We hear a lot about the gender pay gap, but one area that’s often overlooked is the knock-on effect this has for retirement savings. While progress has been made, on average, women are reaching retirement age with far less put away than their male counterparts.

Pension Freedoms: How will you turn your pension into money you can use?

In March 2014, the then Chancellor of the Exchequer, George Osborne, announced a radical reform of the pensions system to give people greater flexibility to access their pension savings. The new pension freedoms took full effect from 6 April 2015 and have given retirees a whole host of new options.