On April 6th, the earliest age people can draw pension benefits rises from 50 to 55.
If you’re 30 now, you might file that under “whatever”.
If you’re between 50 and 54 now, you might want to think about whether the change will affect you. Obviously…
Read MoreIf you’re unlucky/lucky enough to be facing redundancy soon, with a big severance payment, you might well be expecting your money on 31 March? It seems to be a popular date.
Take great care in advance if you’ve got any tax planning in mind: The last d…
Read MoreI’ve four similar cases on the go at the moment, all at different stages, all investing for long-term income.
Drs H invested for income two years ago, when he retired. Our second annual review will be on Friday. I’ve begun preparing for that, with a…
Read MoreAfter 2012, financial advisers will have to choose a path.
Either, they can sell a simple range of products, which will have commission built in, so you don’t have to pay up front for their work.
Or, they can be professionals – highly qualified and c…
Read MoreWe don’t save enough. State pensions aren’t enough to live comfortably on. So what can I look forward to, as a thirty-something?
Here’s what I think.
Why are we so desperate to retire early? I don’t think we’re designed to rest for a third of our …
Read MoreParsonage are holding a tea party to raise funds for Marie Curie cancer care at the Spread Eagle in Lymm on the 26th of June between 2:30 and 4:30. Please come along and support this great charity event.
Read MoreNo, this isn’t a public flogging for my hubby (even though he didn’t empty the dishwasher this morning), this is about other people’s divorces.
I advise a lot of people on the financial implications and consequences of splitting up, you see.
Sometime…
Read MoreTax or Money? It seems to be that simple for Mr H, an imminent recipient of a Decent-Sized Redundancy Cheque. He wants to keep the tax burden down, and needs an income. Fair enough, but where to draw the line???
That’s what I’m working out for him.…
Read MoreThe UK savings rate (that’s how much we all put to one side instead of spending on handbags) is up from virtually zero to 4%. I’m proud of us!
I’m from the generation that has found borrowing easier than saving up, so I think we should be proud that …
Read MoreDo you remember the audi advert that talked about spending twenty million dollars developing the new A4 (I think it was that one, and wait to be corrected)? The punchline was
“that was when twenty million dollars was a lot of money”…
I loved it.
Un…
Read MoreLast week, my new company start-up was covered in the local press. It’s very exciting to see that the journalist understood what I’m trying to build and she expressed it really well in her article. Thanks are due to Eddie Mair, John Humphries and Joh…
Read MoreI’m starting this as a new category…not as much detail as a case study, just an insight into what I do every day. Today I’ve been doing mostly research for cases I’m working on…
Adam and Anita (*) are old enough to be retired, even though they’re not …
Read MoreI’m starting this as a new category…not as much detail as a case study, just an insight into what I do every day. Today I’ve been doing mostly research for cases I’m working on…
Adam and Anita (*) are old enough to be retired, even though they’re not …
Read MoreHi, welcome to today’s post. These tips aren’t “rocket science”. But they do work.
One
If you don’t have surplus income, you really need to work hard – because you might suffer even more than most if your income suddenly stopped or reduced a lot.
Tr…
Read MoreI like this. I hope you do too.
http://www.economist.com/printedition/displayStory.cfm?Story_ID=12798307
Merry Christmas from State of the Nation
Read MoreHere’s an example of why you should not take the first offer when you draw your pension.
Names have been changed to protect the innocent.
Mr A decided to draw his pension. He’d saved up over the years and ended up with two separate pension policies.…
Read MoreAs I take the plunge myself, and become an un-shackled financial planner (I mean starting up in business), I’ve been wondering…What it is about financial advisers that makes us all think we can do better than what the already cluttered market place has…
Read MoreYou might have noticed a bit of a drop-off in share values lately?
If you’ve got a pension, it’s probably worth less than it was a year ago. So why bother paying any more in? Or, if you’re young enough, why bother starting one?
Forget, for a minute,…
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