Pensions: Experts say £10,900 annual income needed to retire

A single person will need an annual income of £10,900 for a minimum standard of living in retirement, academics have estimated. That budget increases to £16,700 for a couple, the calculations for The Pensions and Lifetime Savings Association (PLSA) suggest. For the first time in the assessment, Netflix subscriptions and items such as haircuts are included. […]  Continue reading

Warning – Pension scamming is on the up

The Financial Conduct Authority (FCA) has revealed that over £2m was lost to pension scammers in the first five months of 2021. The average amount lost so far in 2021 is £50,949, compared to £23,689 in 2020. The FCA research shows that pension holders were nine times more likely to accept ‘advice’ from someone online […]  Continue reading

Financial advice and wellbeing go hand in hand

According to a recent study**, those who take financial advice are four times more likely than those without, to have high levels of financial wellbeing. The study also revealed that the average advised client accumulated almost three times more pension savings (£246,000), compared to non-advised people (£95,000). Advised clients also accumulated total non-pension savings of […]  Continue reading

What does the role of a Financial Adviser entail, and how can they help you grow your money?

Financial advisers help people with their long-term financial planning, including investments, pensions and annuities. Some will also help people with life assurance and mortgages. They may also help in specialist areas like inheritance tax planning, estate planning or ethical investing. People will often go to an adviser either with a specific need (e.g., “I want […]  Continue reading

When will you start saving for your Retirement?

Twenty and thirtysomethings Arguably, financial decisions made in early adulthood are more important than any other and the key one is undoubtedly to start saving. While retirement may seem a distant prospect, financial habits formed during these years will ultimately determine whether you enjoy a comfortable retirement or have to work later in life. A […]  Continue reading

An introduction to Sustainable and Ethical Investing

If you’re a more conscientious investor you may have growing concerns about exactly where and how your money’s being used. Here’s a useful guide discussing the increased interest in Sustainable and Ethical investing, and highlighting some of the terminology. There’s been a real surge in the number of people who are now choosing this type […]  Continue reading

Social Media and the younger Investor

The Financial Conduct Authority (FCA) is concerned about the influence social media is having on younger investors, who it believes are taking on significant financial risks. This younger, more diverse group of investors, it said, is highly reliant on social media platforms such as YouTube, Instagram and TikTok for investment tips and advice, but lacks […]  Continue reading

‘Secret Accounts’ slow the probate process

The importance of leaving your affairs in order. According to the first Bereavement Index from probate software specialist Exizent#, many people fail to put their financial affairs in order before they die, leaving behind a ‘financial mess’ and a stressful experience for those tasked with administering their estate. The Index revealed that one in seven […]  Continue reading

We’re still here to help!

Despite the ongoing restrictions, now extended to 19 July 2021, our business is continuing to operate fully to ensure that we can provide help and assistance to our clients. We’re open Mon to Fri, 9am til 5pm, and we can be contacted on 0808 1234 321 or using For clients who wish to meet […]  Continue reading

Retirement finances: Let us help you take control

Two pieces of research have again highlighted consumer confusion and concerns around pension provision and thereby the necessity for people to take control of their retirement planning. STATE PENSION OVERESTIMATED Firstly, a survey by Which?6 found that three in ten people overestimate their future state pension income, some by almost £50,000 over the course of […]  Continue reading

Planning to retire in 2021?

Whether you had always been planning to retire this year, or COVID-19 has forced your hand, it’s never too late to get organised. We believe that retirement is something to be looked forward to after a lifetime of hard work – so don’t let it be overshadowed by financial concerns. We can help you quantify […]  Continue reading

Sorting out your mortgage during divorce

Divorce can be an incredibly stressful time for couples and the financial impact it can have only adds to the pressure. The number of couples getting divorced surged by almost a fifth in 20195. Although data for 2020 has not yet been released, after the strains of the last year or so, unfortunately it would […]  Continue reading

A word of Warning……

“It won’t happen to me” – think again It’s so easy to watch the ads on TV about scams or see the consumer shows interviewing devastated people about their financial losses as victims of fraud, and think “it won’t happen to me”, but think again! In the year to September 2020, Action Fraud received over […]  Continue reading

Do you know your Pension age ?

Did you know that the phased increases to State Pension age (SPA) reached 66 for both men and women in October 2020 and it’s set to rise further? The minimum age for taking funds from a personal pension is also set to rise in 2028. Getting to know your pension ages, and what you can […]  Continue reading

The danger of stopping pension contributions

Increased pressure on personal and household budgets often leads to cutbacks. However, the danger of stopping pension contributions should never be underestimated.  Continue reading

Thirty somethings want to retire early

According to recent research, many thirty somethings want to retire early. That’s a great ambition, but with so many factors to consider is this a realistic option for Millennials…   Continue reading

Don’t lose sight of pension goals

Have you managed to keep a cool head during the roller-coaster stock market ride of 2020? It’s never easy, but as retirement approaches it’s important that you don’t lose sight of pension goals.  Continue reading

Should you draw cash from a pension now?

People who have saved into pension funds in the UK have the option to draw income from the age of 55. In the current uncertain financial climate, should you draw cash from a pension now?   Continue reading

Managing multiple investments

Holding a diverse portfolio is recommended by most financial advisers, but when it comes to managing a range of different investments it makes sense to work with one adviser team.  Continue reading

Make time for those big decisions

With shops and businesses starting up again, and some children back in school, life is returning to normal. With that comes old pressures. Make time for those big decisions, and yourself.  Continue reading