What will be your new state and private pension age – and how long will you live?

New data suggests life expectancy will fall, which affects your pension age – and also how you plan for retirement. The seemingly inexorable rise in the state pension age may finally be halted by unexpected falls in longevity. Figures shared with Telegraph Money and published last weekend show that if the Government sticks to its word, it […]


The best way to boost your state pension: should you top it up, or defer it?

In a few weeks’ time the Government’s unique state pension “top-up” goes on sale. It will offer men and women of a qualifying age the chance, for a limited time, to swap lump sum savings for an increase in their state pension – for life. It’s like an annuity except it offers more attractive rates […]


Let the taxman help pay for your life insurance

Are you a company director? Do you have life insurance in place to protect your family? If so you could be paying an unnecessary tax penalty. If you pay for this cover from your own bank account you will be paying from post-tax income, and if you are paying from the business account you will […]


Investment Overview reinforcing our view on mixed portfolios

July proved another eventful month for investors, to say the least.  Over the first fortnight or so, investors’ attention remained focused on developments in Greece, following the country’s failure to make a scheduled €1.5bn (£1.05bn) debt repayment to the International Monetary Fund (IMF). High levels of uncertainty took their toll on share prices in the […]


Consolidating your retirement savings

Consolidation, Consolidation, Consolidation – keeping retirement savings under one umbrella If the key considerations for purchasing property are location, location, location; then for retirement and inheritance planning it could be all about consolidation, consolidation, consolidation! And sooner, rather than later. Consolidation while saving – can cut costs, simplify monitoring against retirement goals and help with […]


Looking after your employee’s health

The provision of private medical insurance (PMI) is one of the staple benefits larger corporations increasingly offer as a way of attracting and retaining staff.  Many employees now expect some level of private healthcare as part of their employment package.  Indeed, according to a report by Laing & Buisson, the number of private medical cover […]


The Benefits of Regular Savings

In the complex world of investment, timing appears to be crucial. However, without the benefit of hindsight, it is an incontrovertible fact that no-one can predict what the market will do. This presents a problem for investors – not only to decide when to invest, but also when eventually to pull their money out of […]


Election 2015: an unexpected outcome

Financial markets reacted positively to the news the Conservative Party had won a slim majority in 2015’s General Election. A clear majority, however slender, should allow the elected party to enact government policy, while preventing a period of ambiguity while the terms of a coalition are negotiated. Investors had generally been expecting another hung parliament […]


Pensions Freedom – some Q&A’s to help your understanding

The breadth of the reforms means hardly any aspect of retirement finances is left unaltered. It’s an empowering period for investors – but also challenging. Everyone needs some knowledge of pensions and how they are changing.  The questions that follow are by no means exhaustive but I hope readers will be well equipped to benefit from the new, […]


ISA Time Again

It’s that time of year again and there’s ISA information everywhere!  It’s hard to cut through all the noise: Should you invest in cash or stocks and shares?  ‘Do it yourself’ or seek advice?  How do you decide what’s right for you? Sometimes you just need a bit of guidance and support and that’s where […]