A couple of years ago I wrote about the Pension Lifetime Allowance but as it’s something that we tend to advise on quite a lot at this time of the year, I thought it would be a good time to refresh readers’ memories. The Lifetime Allowance was introduced on the 6th April 2006, and originally
Over the years I have met numerous people who have had financial concerns for many years before they have chosen to seek help. The issues have included whether their mortgages would be paid off by retirement, or knowing that they have a pension shortfall. Others had accumulated debts and had no idea how they were
As I have said many times before, this time of the year is all about tax for us, and trying to use up allowances. Over the years I have found that the significance of this has increased. Whether it’s trying to make sure that no one in the household earns over £50,000 (if you qualify
So, are you optimistic or pessimistic about the New Year? As Bill Vaughan said: “An optimist stays up until midnight to see the new year in. A pessimist stays up to make sure the old year leaves.” As I am writing this article in mid-December it’s difficult to predict whether we will be back in
Many clients have approached us recently to review their life cover, perhaps inspired by all the tragic events that have occurred over the last few months. When was the last time you renewed your life cover, and what amount would we recommend? The answer will be different for everyone, so we will sit down with
This is a saying that I always think should apply to all aspects of our lives, including our savings. Although I think this rule is always key, it could be argued that with the interest rate at an all time low it’s even more relevant at this time. So as an adviser how do I
Well here we are into the New Year and I am sure it’s not quite the start we had all hoped for. I think the expression “Sometimes things have to get worse before they get better” comes to mind. However, many of us do have time on our hands at weekends with limited places we
The knock-on effects from the lockdown are impacting everyone in different ways financially. As I mentioned in previous articles there are some who aren’t going out as much and therefore find they have more savings, whereas for others unfortunately the story is very different. But no matter what the situation, budgeting is important. Over the
There is always a time delay between writing this article and its appearance in print so I am writing this before Christmas, but I hear many people say that they can’t wait for the new year to arrive and place 2020 behind them. I’m quite sure I haven’t encountered anyone for whom this year has
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