Planning the future you want Pension freedoms bring optimism and adventure to retirement Will I ever slow down? Do I have the right plans in place? Retirement is a chance to do more of what you enjoy. figures released as part of LV=’s tenth annual State of Retirement report[1] indicate that, far from winding down, retirees are making the most of their time, with signs that pension freedoms have made people even more likely to feel this way. Half (49%)

Do you have a financial back-up plan this year? Be prepared if life throws something unexpected your way Unforeseen life events and circumstances can potentially impact your finances in a number of ways. Hundreds of thousands of people are diagnosed with cancer each year in the UK and it is becoming more common among those of working age. Cancer treatment can cause many to have to work reduced hours or stop working altogether. Sufferers should be able to make getting

ISA returns of the year Taking control over where your money is invested tax-efficiently A new tax year is nearly upon us – and that means, for all diligent savers and investors, you should make sure that you take full advantage of your current Individual Savings Account (ISA) tax-efficient allowance. An ISA is a tax-efficient investment wrapper in which you can hold a range of investments, including bonds, equities, property, multi-asset funds and even cash, giving you control over where

‘Sandwich’ generation Not having enough money for retirement is the biggest concern Average life expectancy has generally been increasing, and for the ‘sandwich’ generation, saving for their retirement is clearly a big concern – and with plans to contribute financially to support their children and parents, it’s perhaps no wonder. A survey by the Association of Investment Companies[1] of the sandwich generation aged 35–55 who have elderly parents and children and a minimum household income of £50k found that half

Sleepwalking into retirement Lack of pension knowledge among UK adults The UK’s middle-aged workers could be sleepwalking into retirement poverty. Four in ten people aged between 40 and 65 cannot accurately estimate their total pension savings for retirement. Just over a third of 60 to 65-year-olds who took part in a questionnaire by the JLT Employee Benefits research do not know the size of their retirement fund. Additionally, two thirds of 40 to 65-year-olds with pension savings of under £250,000

Will you Make Provision for all Those you Hold Dear? Getting your affairs in order and planning what you want to pass on to loved ones Writing a will may seem daunting, and with everything else we should be thinking about it becomes just another chore on the to-do list. It’s especially important for cohabitating couples to have a will, as the surviving partner does not automatically inherit any estate or possessions left behind. Getting your affairs in order and planning

Reach your financial goals Helping you realise your retirement vision We’ve now entered a new age of retirement planning with the introduction of pension freedoms. Your retirement is likely to be the most important time in your life you’ll even plan for – you could be retired for 20 years or more. Thinking about pensions sooner rather than later can mean the difference between a comfortable retirement and struggling to make ends meet. Unfortunately, some people put off retirement planning when they

Making Solid Financial Resolutions Grow your money and live the life you want The New Year is the perfect time to overhaul your life for the better, and one excellent place to start is by making solid financial resolutions that can help get you closer to your money goals, whether it’s increasing your retirement savings or setting enough money aside for a down payment on a house. Investing is not just about what you know but also who you are.

Creating Wealth for Children For many people, investing in their child’s future is one of the most important things they can do. Whether you save little and often or have bigger sums of money to invest, keep going over a few years and you will soon have a very useful amount.  This can go a long way towards setting them on the road to being independent or encouraging them to become savers themselves. Getting children involved in savings early on

We’ve signed a new deal with HRLFC We have renewed our sponsorship with Halifax Rugby League Football Club (HRLFC) for the 2018 rugby league season. The sponsorship will see our branding appear on Head Coach Richard Marshall’s kit, along with the players’ training kit and game day programme notes. Following our recent sponsorship of HRLFC’s 1987 reunion dinner in July 2017, we have opted to continue our ongoing support for the club, also renewing our occasional match day and match

We’ve teamed up with See It Now Sports to deliver an exciting event for business professionals this autumn. Our VIP Race Day will take place at the home of the Grand National, Aintree Racecourse in Liverpool on Saturday 11th November 2017. We’re inviting fellow professionals and business owners to enjoy a day of national hunt racing action with a three-course buffet lunch, executive travel, waitress service, a racecard, private tables and informal networking. The Investing For Tomorrow team will be

Investing For Tomorrow – Put plans in place this Pension Awareness Day It is Pension Awareness Day on 15th September 2017. It might not sound like the most exciting day of the year, but it does help to raise awareness about the importance of putting provisions in place to protect your finances. Thinking about pensions sooner rather than later is the real difference between a comfortable retirement and just making ends meet. One of the most critical aspects of retirement