As your retirement approaches you will have lots of decisions to make, not least how to convert your pension benefits into a retirement income and the most tax efficient way of taking a lump sum. There will be tricky questions that you might need help with such as can you afford to retire? Should you […]
The lifetime allowance The Lifetime Allowance is a limit on the amount of pension savings that can be drawn without having to pay additional tax charges. The lifetime allowance was introduced in 2006 at a level of £1.5 million. Over the following years it increased until 2010 when it reached £1.8 million. Moving beyond 2010 […]
If you are an experienced investor or if you are looking at investments for the first time then we can help. We don’t believe in a one size fits all approach, we will spend time getting to know you and to understand your needs and goals and we will tailor our advice to your individual […]
This area of financial planning can sometimes be an uncomfortable topic to discuss but in our view an essential conversation that you should have with your loved ones and a financial professional. From writing a Will, completing Lasting Powers of Attorney documents to an Inheritance Tax strategy we understand that this type of planning can […]
Losing a business partner or key member of your team can have a significant effect on the future success and even the survival of your business. What would happen if one of your business partners were to die or one or more of your key employees were unable to work? What will happen to a […]
Life insurance cover is critical to the financial plan given that at exactly the most emotional and sensitive point in a surviving spouse, partners or family members life that the reality of financial hardship will have to be addressed. What steps will you take to help protect the ones you love from the financial issues […]