The recent move to equalise male and female State Pension ages means women will now start to qualify for the State Pension at the same age as men, currently set at 65. The move to equalise male and female pension ages began 25 years ago and has been gradually phased in. Your State Pension age…
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In this New Year edition of our TIPS magazine, the start of 2019 is the optimum time when you may be thinking about resolutions and plans for the year ahead and beyond. It’s a good time to start planning your tax affairs before the end of the tax year on 5 April. And as you…
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If your business partner or a shareholder died or became critically ill, have you ever thought what the impact could be? The loss of a business partner or shareholder can have a major impact on the success of any business. But it’s not just about the loss of profits the business could suffer. Who would…
Read moreYou have one life, which makes investing wisely very important such as identifying multiple risk profiles for multiple goals. Throughout our lives, we will have many different lifestyle and financial goals that we would like to achieve. Although we all have different goals, there are some key goals that we’ll have in common, especially when…
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You have worked hard to build your wealth and planning the best route for the next generation is important. Passing it on fairly, safely, effectively and efficiently takes skill and careful preparation. But some people find the idea of discussing inheritance uncomfortable and subsequently put off estate planning until, in some instances, it may be…
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Are you part of the sandwich generation financially squeezed between elderly parents and children? Faced with the task of caring for elderly parents alongside your children, being in the sandwich generation can be a testing time. Finding yourself squeezed between – and often by – these two generations can be very stressful. As well as…
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Get a head start on your tax planning resolutions and avoid the mad march rush. Although the current tax year does not end until 5 April 2019, tax planning shouldn’t be a mad March rush. Now is the perfect time to get a head start on your tax planning resolutions to enhance your own, your…
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A pound saved is a pound earned. But thanks to inflation, over time, the value of the pound saved could be much less than when it was earned. One cannot ignore the corrosive impact of rising prices on investments. Investors can easily fail to prepare for the risk of inflation eroding the purchasing power of…
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Building wealth for a solid financial future. As a parent, guardian or grandparent, you’ll want to provide the best future for your children or grandchildren that you can. Christmas is an excellent time to encourage children to start thinking about the value of money. Many children have hundreds of pounds spent on them at Christmas,…
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Pensions in relationship breakdowns could well be the biggest single asset in the relationship. What is likely to be a divorcing couple’s most valuable asset? The family home will spring to most people’s minds first. But the value of a pension could well be the biggest single asset in the relationship. When and how pensions…
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The greatest strains on physical and mental health can be work pressures. There is an increasing trend for people to work for longer and delay their retirement, with some staying in work out of financial necessity. But one of the primary concerns people have about working beyond their 50s is the impact this could have…
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Take steps now to prepare yourself for retirement. With increasing numbers of people working past traditional retirement ages [1], stopping work can seem a long way off, especially for younger people. But it’s the dream of an early retirement that keeps many people going through the daily work grind. Fantasies of a round-the-world-cruise, sundowners on…
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