It really is time to check your retirement plans!

If you were given a large sum of cash, perhaps £100,000, to invest then we are certain that you would take great care in how this was invested, you would clearly understand the risk you were taking and the charges you were paying. You would probably take financial advice and would be certain about what […]

Merry Christmas & Happy New Year

Its Christmas and we wanted to say ‘Thank You’ and that it has been a pleasure working with all of our clients, family and friends over this past year. We hope you all have a lovely Christmas and a very Happy New Year. Best wishes Richard, David and all the team at Liberty Partnership & […]

How are you financing your retirement?

Almost 79% of those with workplace pensions would welcome increasing their savings alongside employer contributions, research by Ipsos Mori has found. This finding follows calls to raise the minimum automatic-enrolment (AE) contribution levels. Scottish Widows called for a 12% minimum contribution by 2020, while Aviva said it wanted a 12.5% by 2028, arguing raising the […]

Have you lost Child Benefit because of high income?

For some years now the child benefit tax charge for higher earners has had an impact on families and the implications of this charge aren’t always immediately obvious! Child benefit can be claimed for all children under the age of 16. The current benefit is £20.70 per week for the first child and £13.70 for […]

Have you planned for your retirement years?

Retirement planning is a relatively modern concept. If you go back 100 years most people expected to work until they died or at best be supported by their children. Even 50 years ago retirement would have meant 5 to 10 years of fairly quiet life before you died. Today most people looking to stop working […]

How could an interest rate rise affect you?

Are mortgage interest rates set to increase? The next opportunity for a change in interest rates is just around the corner and there is wide spread speculation that rates are now set to rise. Predictions of a 0.25% increase in the bank rate are rife, having been fuelled by the Governor of the Bank of […]