Financial freedom Deciding what to do with pension savings – even if you’re still working On 6 April 2015, the Government introduced major changes to

Art of bond investing Portfolio balancing, negating stock market volatility and lowering risk A bond is an IOU, typically issued by a government or company (an

State Pension New changeover arrangements designed to be simpler than the old system The State Pension changed on 6 April 2016. If you reached State

Have you considered whether you or a relative may need to enter residential care or a nursing home in the future?    Most will have

Cultivating the art of patience Sticking with a long-term commitment to your investments The longer you’re prepared to stay invested, the greater the chance your

Protection matters Families face a precarious situation if the worst were to happen Everyone’s circumstances are different, but most people start to think about cover

Investment trusts Public company aiming to make money by investing in other companies Investment trusts, unlike unit trusts, can borrow money to buy shares (known

One in eight will retire with no pension in 2018 Excuses to avoid facing the difficult work of saving for retirement Retirement is one of

Money’s too tight to mention Financial impact on annual retirement income after divorce However, for some couples, no amount of marriage counselling is enough to

This time next year we’ll be ‘million-heirs’ Larger individual wealth and expectation of substantial inheritances Put simply, Inheritance Tax is a tax charged on your

Making the most of your pensions Have you accumulated multiple plans that need reviewing? Consolidating your pensions means bringing them together into a new plan,

Guide to New Tax Year Planning 2018/19 Time to take a tax wealth check? Now that we’ve entered the 2018/19 tax year, a number of