Paying too much tax on your pension?

Many financial planners fear that people are paying more tax than they need to because they do not fully understand the rules around withdrawing money from their pension. When the pension freedoms act came into force back in 2015, one of the key changes was that you could take an income from your pension pot, [...]

2019-04-12T15:54:29+00:00 April 15th, 2019|News|

Are you tempting fate by making a Will?

The Law Society estimates that one in three of us will die without a Will. Why? Many of us are superstitious and feel that it may be tempting fate. A Will is a legal document that sets out your wishes regarding the distribution of your estate and the care of any children. making one is [...]

2018-08-20T17:04:55+00:00 September 13th, 2018|News|

Flexi-access drawdown. Is it right for your pension?

Until about ten years ago most people bought an annuity with their pension "pots" on retirement. Over the years buying an annuity this has fallen out of favour. This has been due in part to the fact that many felt it was unfair that you needed to lock in your future pension returns at some [...]

2018-08-20T10:42:20+00:00 September 10th, 2018|News|

What Does a Financial Designer Do?

By Rachel Efetha, Chartered Financial Planner.  At our recent company meeting, Managing Director, Caroline Anstee, asked us all, what we do.  Some of the responses were: We make peoples goals and aspirations come true Give peace of mind and financial security Act as a counsellor Change peoples lives Sort out problems Educate The outdated stereotype [...]

2018-08-09T11:51:57+00:00 August 28th, 2018|News|

Pensions: Don’t underestimate their value in divorce.

Relationship breakdowns can be emotionally tough and financially expensive, so try and avoid these mistakes. Have any pensions professionally valued. The valuation of a pension is never straightforward. Some pensions include guaranteed levels of income and built-in inflation protection. The value of these features can be misunderstood. It is essential that when getting a divorce [...]

2018-08-20T09:44:25+00:00 August 20th, 2018|News|

Congratulations to Sam.

Congratulations to Sam Williams on passing another of his professional exams. The Chartered Insurance Institute (CII) Pension exam (RO4).  Sam has one more exam to pass before completing “The Diploma in Regulated Financial Planning. Caroline Anstee, Managing Director of Anstee & Co said- "This is a great achievement. Sam has worked hard in completing and [...]

2018-08-03T14:57:26+00:00 August 3rd, 2018|News|

Pensions – It’s never too late to save for your retirement.

By Rachel Efetha, Chartered Financial Planner. Whilst the 40 somethings parents and grandparents enjoyed a job for life and a pension from their employer based on the number of years service and their final salary, along with a state pension at 60 for women and 65 for men, most non public sector employees do not [...]

2018-07-06T11:12:52+00:00 July 23rd, 2018|News|

Questions to ask about your pension before retirement.

If you have a pension, do you know how much you have saved or more importantly what level of income will it produce for you in retirement? Have you reviewed those old pensions from past employers? If the answers “I’m not sure”, then follow these top tips. How many pensions have you got? So let’s [...]

2018-06-25T17:10:24+00:00 July 5th, 2018|News|

Challenges for later life divorce.

Divorce for those over the age of 55 is on the rise. Often referred to as “silver separators”, later life divorce can present financial challenges. Running two homes can potentially be more costly than running one large house. With two properties there is also two sets of everything to pay, including household bills, maintaining the [...]

2018-06-18T11:32:31+00:00 June 18th, 2018|News|

Do you want to be a “Silver Striver”? The dos and don’ts.

What is a silver striver I hear you ask? Is it a new superhero from Marvels Infinity Wars film? Well no, a silver striver is the new term being used by marketing types for people who are working past their retirement date. If this is something that you are considering out of choice or necessity [...]

2018-05-29T14:06:34+00:00 May 28th, 2018|News|