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Top pension tips

Top pension tips if you’re about to retire Understanding your options and putting a plan in place We spend our working lives building towards retirement. Choices we make today will have a big impact on the quality of our lives later on. If you only have a handful of years to go until you reach […]

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Inheritance Gifts

Making inheritance gifts from surplus income Are you making use of this useful and much under-utilised exemption? If you want to make inheritance gifts from surplus or excess income, there is a useful and much under-utilised exemption that allows gifts over and above the value of £3,000 per annum to be made without these gifts […]

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Inheritance Tax

Inheritance Tax Minimising the impact of on your estate The latest Inheritance Tax (IHT) statistics show an additional 4% was added to HM Revenue & Customs receipts compared to the previous year[1]. IHT is a tax payable when you die. Whether your beneficiaries have to pay it, and how much they’ll pay, is based on […]

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Pension Lifetime Allowance

Pension Lifetime Allowance Do you need to take action to avoid risking additional tax charges in retirement? When it comes to your pension, you might assume that the more that you can save into it, the better. But that’s not always the case. Once your pension savings reach a certain level, you may need to […]

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Plan for tomorrow, live for today

Helping you achieve your financial goals The key steps toward financial security are to translate them into your own terms. What, exactly, are your personal financial goals? If you have trouble sorting them out, try classifying them as either wants or needs. Go a step further and add short-term, medium-term and long-term to the descriptions. […]

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Retirement planning journey

Retirement planning journey What you need to consider at every life stage When you’re starting out working in your 20s, you may not be thinking about retirement in 40 years. The same goes for your 30s, 40s and even 50s. There is always something on the horizon you could be saving for besides your retirement. […]

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Unlocking Property Wealth

Unlocking Property Wealth Plan for the worst, hope for the best With the rapid changes that have swept the world over the last year resulting from the coronavirus pandemic, some people aged over 50 are facing a different retirement than they may have been expecting. Some have less savings than they imagined, some have had […]

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Generation Xers Chronically Under-Saving

Generation Xers Chronically Under-Saving 57% face financial difficulty in retirement years According to The International Longevity Centre UK (ILCUK) report, a substantial proportion of Generation Xers (those born between 1965 and 1980) in the UK face financial difficulty in retirement, with one in three expected to face significant disadvantages.[1]. Many 40-55-year-olds are reluctant to invest because they […]

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