Smart plans

For anyone enjoying their retirement years and living a less complicated life, it can be easy to assume that you no longer require professional financial advice. Some people may believe that since they have reached their 60s and ‘retired’, the hard work is over. But there are probably another three or four decades ahead, and…

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life after work

Life after work

Planning for retirement is essential to have the life after work you desire. We all know when planning for retirement, the earlier we start saving and investing, the better off we’ll be, thanks to the power of our money compounding over time. And even if we start saving later in life or we’ve yet to…

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Retirement Options

Retirement Options

Deciding your retirement options and what to do with your pension pot is one of the most important decisions you will ever make for your future. The ‘pension freedom’ changes of April 2015 represented a complete shake-up of the UK’s pension system, giving people much more control over their pension savings than before. New research…

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Planning to get where you want to be

Successful saving and investing is arguably a lot like exercise – no pain, no gain. As is the case when undertaking a new fitness regime, if you commit yourself and stick to it, the eventual outcomes can be very rewarding. Many people have savings and investment goals in their life, from the old adage of…

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brexit-eu-europe-113885

Brexit – what next?

At the time of writing this article, the UK Government is still in negotiations with the European Union over the term of its planned withdrawal on 29 March 2019 – Brexit. As we’ve been constantly hearing over the past few years in the media, Brexit uncertainty is affecting business and consumer confidence, whilst also contributing…

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tax action

Tax Action

It’s important you take tax action and get your tax affairs in order before 5 April. This time of year is your last chance before the end of the 2018/19 tax year. We’ve provided a summary of some key tax and financial planning areas which may be appropriate to certain taxpayers and should be considered…

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Mar/Apr 19 Tips Magazine

New March/April Tips Financial Magazine

The March/April TIPS financial magazine is now available to download on our website and is all about experiencing life to the full. Robert Kiyosaki, the American businessman and author of best-selling book Rich Dad, Poor Dad, once remarked, ‘Making money is common sense. It’s not rocket science. But unfortunately, when it comes to money, common sense…

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Defined Benefit Pension Schemes

Defined Benefit Pension Schemes

A defined benefit pension scheme is one where the amount paid to you is set using a formula based on how many years you’ve worked for your employer and the salary you’ve earned, rather than the value of your investments. If you work or have worked for a large employer or in the public sector,…

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Defined Contribution Pension Schemes

Defined Contribution Pension Schemes

With a defined contribution pension scheme, you build up a pot of money that you can then use to provide an income in retirement. Unlike defined benefit schemes, which promise a specific income, the income you might get from a defined contribution scheme depends on factors including the amount you pay in, the fund’s investment…

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Reviewing Your Needs and Goals

Reviewing Your Needs and Goals

Anything is possible when you manage your money the right way. It’s well worth taking the time to think about what you really want from your investments. Knowing yourself, your needs and goals, and your appetite for risk is a good start. Your focus should be on ensuring that the inevitable bumps along your investment…

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diversified portfolio

Diversified Portfolio

A diversified portfolio is an effective tool for reducing risk and volatility without necessarily giving up returns. When you start investing, or even if you are a sophisticated investor, one of the most important tools available is diversification. Whether the market is bullish or bearish, maintaining a diversified portfolio is essential to any long-term investment…

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sipp

Guide to Self-Invested Personal Pensions

We’ve created a guide to self-invested personal pensions (SIPP) to help you take greater control of your retirement plans for the future. It is essential that you start to plan for your retirement as early as possible so that you are able to live comfortably in the knowledge that your lifestyle needs are covered. This…

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