Welcome to our blogs which relate to the financial services you may be interested in from mortgages to pensions; protection to auto-enrolment and many more. So why not grab a drink and enjoy the read.
Everyone knows that a healthy pension pot is crucial for a comfortable retirement. For some workers, however, saving for retirement can seem like a low priority compared to making mortgage payments, saving for a house deposit or keeping up with monthly bills. Small gains New research shows how even a small uptick in pension contributions can go a long way
In our Wise Words Spring 2025 edition, we featured an article about the rise in the minimum pension age and how it might affect you if you have not yet accessed your retirement savings. April 2026 sees the start of the changes, and we thought we would revisit this subject as it becomes more of a feature of our client
The UK State Pension is usually paid every four weeks into a chosen account. However, you can request to change the payment frequency to weekly or fortnightly (every two weeks). The specific day of the week your pension is paid depends on the last two digits of your National Insurance number: 00 to 19: Monday20 to 39: Tuesday40 to 59:
If you were born on or after 6 April 1971, a key change to private pension rules is zooming into view. Home Improvements From 6 April 2028, the Normal Minimum Pension Age (NMPA) – the earliest point you can usually access your personal pension savings – will rise from 55 to 57 overnight. At first glance, this two-year pushback may seem
According to Now Pensions, almost 9 million people in the UK remain significantly underpensioned compared to the broader population. The latest data revealed that underpensioned groups have annual private pension incomes ranging from £3,650 to £6,750. This is 43% to 80% compared to the population average of £8,500, leaving many individuals vulnerable to financial insecurity in retirement. The underpensioned groups
One of the biggest announcements to come out of the autumn budget was the proposal to make certain types of pension known as defined contribution subject to Inheritance Tax (IHT). The rules, which are set to come into force in 2027, bring to an end a period of time where pensions could be passed down generations in an extremely tax efficient manner. So, will
Why purchasing a commercial property via a SIPP or SSAS is an attractive option for Small and Medium-sized Enterprise (SME) directors looking for business premises. For SME directors, using pension fund money to buy the property can be a very positive outcome, as opposed to paying rent to a 3rd party. Here are a few reasons why a SIPP/SSAS could
Retirement is the reward for all those years of hard work. But to truly enjoy this time, it’s not just about having enough savings or being close to family. It’s also about getting rid of some habits that might be stopping you from being fully happy.
Retirement is the reward for all those years of hard work. But to truly enjoy this time, it’s not just about having enough savings or being close to family. It’s also about getting rid of some habits that might be stopping you from being fully happy.
The State Pension, which currently provides a regular income for nearly 12.7 million older people across Great Britain, is administered by the Department for Work and Pensions (DWP) It is available to those who have reached the UK Government’s eligible retirement age – now 66 for both men and women – and have made at least 10 years’ worth of