I’m sure the first reaction of most will be ‘easier said than done’. If you’re in you, or more...
Pensions
“Middle-aged people in a relationship find it easier to plan for retirement”
This may come as a surprise to many a married person, but it seems that being single is far more...
“People put off from pension saving by complex system”
Many of the conversations we have with clients about pensions involve helping them to understand...
“Midlifers face ‘uphill challenge’ when saving for comfortable retirement”
There are a heck of a lot of variables to consider here. One person’s midlife is another’s old age...
“Why you should never retire”
On my 50th birthday, I will always remember, amongst the card or two I received was a letter from...
“Back to work for people aged 65”
So is it ‘back to work’ or never stopping? And why? Because we’re cash-strapped and can’t afford...
“The true impact of inflation on cash savings and pensions”
Leaving your money in the bank or building society has always meant that its ‘real value’ after...
The Lifetime Allowance Dilemma
So here’s a horny dilemma. The Lifetime Allowance was (mostly) abolished in the last Budget. I say...
“HMRC repays ‘sky high’ UK pension emergency tax as total bill tops £1bn”
This annoys a lot of people, and we, as the messenger, often get the blame. Taking a one-off,...
“Over 50,000 leave NHS Pension Scheme over affordability”
Like most formerly ‘gold-plated’ pensions, the NHS pension has been watered down over the years;...
“HMRC U-turns on lifetime allowance death payments change”
The devil is always in the detail. Yes, the pension lifetime allowance has been abolished;...
“IFS calls for govt to scrap 25% tax-free lump sum”
’Scrapping’ the tax-free lump-sum would not be a simple as it sounds. Nothing in the wonderful...
“Pension tax relief ‘cost’ hits £27bn”
The next Budget is a couple of months away. And it may actually be called a Budget this time;...
“What is Lifestyling?”
Most of the current crop of workplace pension schemes will put you by default into a ‘life...
This month’s Interview: John Butterworth
Join us as we speak with John Butterworth, independent financial adviser at Philip James Financial...