Retirement planning

An introduction to using your resources to ensure you get the retirement you want. What do you want your life to be like when you pass retirement age? Are you looking forward to the end of your working life as a time to take on new projects or to simply relax after 40 plus years[…]

Consumer confidence rises despite uncertainty over economy

People feel more confident about their personal finances but still have concerns about the state of the economy. According to GFK’s consumer confidence index, most people report a rise in confidence in the past year with forecasts predicting further growth in the next 12 months. However, expectations for the economy have decreased over the last[…]

Minimising inheritance tax

A guide to changes to the inheritance tax nil-rate band and strategies to reduce your liability. We all like to think that our nearest and dearest will lament our passing with fond memories. It would be sad to think that after the initial period of mourning has passed, kind words turn to bewilderment when your[…]

Pension scams put savings at risk

Over-55s are the targets of repeated cold-calling and email scams offering fake pension opportunities. 5 months after the introduction of the new pension  freedoms, 40% of Citizens Advice pension staff have come  into contact with people affected by pension scams. Around  10% have seen people fall victim to scams.  Of those contacted by scammers, 80%[…]

Your money: Households overlook life insurance

Fewer than 4 in 10 people view life insurance as essential, according to a report by Scottish Widows. The research, which investigated people’s financial priorities, showed that people prioritise broadband (80%) and mobile phone (71%) services over life insurance (39%). The majority of the 5,144 people surveyed do not have protection in place: 33% have[…]