To downsize, or not to downsize?

Planning your next move for a comfortable retirement It can be a daunting prospect to think about selling the family home, but it is a decision that many decide is the right choice for them once the children have long moved out and the upkeep seems too onerous Read More

Generation still taxed

Numbers nearly double in the last two decades With so much choice on offer, and with frequent rule changes and distinct tax benefits to consider, finding the right vehicle for your retirement planning is essential Read More

Seeking a higher retirement income

Retirement needn’t be an all-or-nothing decision The onwards march of ‘pretirement’ – where people scale back on work or slow their retirement plans down rather than giving up entirely – is continuing, with half (50%) of those retiring this year considering working past State Pension age Read More

Later retirement

Workers extend their careers for a multitude of reasons When do you plan to retire? Saving for your retirement is a lifelong undertaking – and if you want to enjoy a comfortable retirement, you can’t start planning soon enough Read More

Sleepwalking into a pension shortfall

Auto-enrolment shouldn’t be seen as a silver bullet How much money you should be saving for your retirement is a key question when visualising the type of retirement lifestyle you want Read More

Tax matters

Improving your chance of a better retirement income Every client’s story is different Read More

Retirement taxation

  Understanding the bottom line Retired households handed over an average of £7,400 each in tax last year – the equivalent of nearly 30% of their annual income, according to analysis of newly released data[1] by Prudential Read More

Gender income gap

  Minimising the impact on your retirement income The gap between women’s and men’s annual average expected retirement incomes in 2017 has grown by £1,000 in the last year, according to new research[1] Read More

Planning for your retirement

  Getting ready to slow things down One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working Read More

Savings behaviour

  UK pension system is sustainable but inadequate It’s been estimated that 18% of earnings need to be saved each year to achieve an adequate income during retirement, an International Longevity Centre (ILC) report has concluded Read More

Dreaming of an early retirement

When you quit the rat race, will you really have the time of your life? We all know that we need to save money for our retirement, but knowing it and doing something about it are very different things! Younger generations may be bracing themselves to work well into their 70s – but the early retirement dream lives on for many people retiring this year Read More

Working 9 to 5

Almost three quarters of employees expect to work beyond the traditional retirement age The proportion of UK employees who say they will work beyond the age of 65 is at an all-time high Read More

Retirement choices

How much time do you spend planning for retirement? The 2015 pension freedoms gave us greater flexibility over our retirement options, but the reforms have also made retirement choices much more complex Read More

Pension time bomb

Planning to prevent the financial equivalent of climate change Millions of workers across the UK could be heading for a significant shortfall in the amount of pension they need for an adequate income Read More

Golden years

Key to a positive retirement lifestyle Unfortunately, some individuals do not realise the importance of planning for their retirement Read More

Income matters

Providing the foundation for an exciting new chapter in your life Nobody knows quite what the future holds Read More

Gender savings gap widens

Report findings suggest this trend is set to continue Half of women (52%) are now saving adequately for their retirement compared to 60% of men, according to the latest Scottish Widows ‘Women & Retirement’ Report Read More

Forgotten pensions

Out of sight, out of mind The extent to which pension policies are being forgotten has been revealed in research from Aviva Read More

Getting ready for life beyond work

Three-year growth in adequate retirement saving steadies Nobody knows quite what the future holds Read More

How financially prepared are you for your retirement?

Men narrow the gap on women when it comes to life expectancy Thanks to healthier lifestyles and advances in medicine, people are living longer lives, but many individuals may not feel financially prepared for their retirement Read More

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