Retirement planning: Should you consider a phased retirement?
If you’re planning your retirement, one of the first questions you might want to consider is: how will you retire?…
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Consolidation: Why it could help you beat the challenge of keeping track of pensions
Auto-enrolment and regular job switching mean the average worker will have multiple pensions. Consolidation could make it easier to manage…
Retiring in 2021? Planning is key as two-thirds risk depleting their pension savings
Research suggests that two-thirds of retirees risk running out of money. As well as understanding what income your pension will…
5 reasons why Generation X need to engage with their pension to achieve security in retirement
While retirement may be some way off for Generation X, changes to pensions, lifestyle and the State Pension means they…
How inflation can reduce your pension and what you can do about it
One overlooked retirement risk is inflation. Without careful planning, inflation can mean your retirement savings don’t go as far in…
Retirement planning as a couple: Balancing different goals
Planning for retirement should be an exciting time in your life. You’re able to give up work and focus on…
Imminent Retirement Planning in 2020 – Brighton IFA’s 7 step plan
If you’re retiring this year, congratulations! Jim Rixon, Independent Financial Adviser at Pembroke Financial Services, who offer expert pensions advice…
What does the Covid-19 pandemic mean for my pension and retirement?
As the coronavirus pandemic continues to dominate world headlines, here’s what it might mean for your pension and retirement plans.…
Three points to consider when accessing your pension at 55
For the majority, from the age of 55 they have access to their pension. Should you be coming up to…
Sussex pension advisers see higher state pension increases on the cards
The new state pension looks likely to be in line for a relatively large increase next year, but it still…
Annuity rates have fallen to their lowest level in 25 years as interest rates and drawdowns bite
Annuity rates hit their lowest level since 1994 in September, with implications for those making retirement decisions. Since the introduction…
How do you feel about state pension age increasing to 75?
A report from a Conservative think tank suggesting a quicker rise to a state pension age of 75 has ruffled…
Inflated expectations
Investor expectations have been dialled up by the market returns of recent years. Independent Financial Advisers will need to add…
Pension flexibility: too taxing for many
Lump sum withdrawals under pension flexibility are resulting in over-paid tax due to emergency tax codes. Don’t be caught out.…
Living longer, but will your pension last? Pension planning is essential
Statistics are showing a slowdown in the rate of improvements on our longevity, but don’t let the headlines mask the…
Planning the longest holiday of your life – Retirement Planning Key Guide
There comes a time when you stop working for your money and put your money to work for you. For…
Retirement planning for the 100-year life
Your chances of reaching 100 are probably greater than you imagine. It may sound fanciful, but a 100-year lifespan is…
Preparing for the new tax year
Changes to income tax, NICs and pension contributions are coming for 2019/20. One of the few certainties about 2019 is…
Do your employees know that earnings thresholds are rising with auto-enrolment contributions?
In early December the Department for Work and Pensions (DWP) announced the thresholds that should apply to automatic enrolment pension…
Filling the pensions hole for the self-employed
The Department for Work and Pensions (DWP) is aiming to expand pension coverage among the self-employed. Pension automatic enrolment -…
State pension age equality means increases for everyone
The State Pension Age (SPA) became equal for men and women for the first time, at age 65, on 6…
The Budget 2018: an end to austerity? What did it mean for you?
The 2018 Budget, which was delivered on a Monday for the first time since 1962, produced a number of surprises,…
Leading think tank proposes radical shake up of UK’s tax system
The Institute for Public Policy Research (IPPR) is a centre-left think tank that has a long history of influencing Labour…
Auto enrolment into Workplace Pensions six years on – a success?
There is absolutely no doubt that pension savings have grown after six years of Automatic Enrolment, but more progress is…