Archive Guides and Newsletters
Guide to Pensions Freedom
Helping you make the most of your new freedoms
The new government pensions freedom rules came into place from 6 April 2015. It’s really important to understand the changes and review your options, because from the age of 55, you can now take responsibility for the money you’ve saved and access your pension pot however you like.
Most people will now have more options when it comes to their retirement choices. But generally they’ll still want their pension income to last their lifetime – so careful planning is a must.
A Guide to the 2015 Budget
The key announcements that could influence your financial planning decisions in the year ahead and beyond
In his final Budget before May’s general election, the Chancellor of the Exchequer, George Osborne, announced tax cuts for first-time buyers, workers and savers, and claimed Britain was ‘walking tall again’ after five years of austerity.
In our Budget 2015 Summary, we have provided information about the key announcements but primarily look at the main areas around financial planning.
Guide to Wealth Goals
How to save for a rainy day and plan a comfortable retirement
Reaching wealth goals and achieving personal ambitions are major objectives of the financial planning process. In order to make plans for the future, you need to know where you are today and where you want to be in the future.
Wealth goal-setting is very much like creating a business plan. You need to know a starting point and ending point, the time frame for ‘exiting’ (or reaching your goals), and the estimated cost involved.
Guide to Creating a Diverse Investment Portfolio
How to work out your own investing style when things aren't black and white
‘Don’t put all your eggs in the same basket’ is probably the best known proverb advising investors about the importance of portfolio diversification to spread and reduce risk.
In this guide, we look at ways to protect your portfolio by spreading your risk across several different asset classes and some of the many different assets in which you can invest, each with different risk characteristics.
Guide to New Pension Freedoms
Giving people greater power over how they spend, save or invest their retirement pots
Whether you’re saving for old age, about to retire or already have, you need to give your pension some attention following the announcement of the new pension freedom reforms. Perhaps most important of all were the changes announced in the 2014 Budget, which mean many more will now be able to retire and withdraw money from their pension without buying an annuity.
Guide to Equity Release
Unlocking cash in your home - is it right for you?
We all look forward to the day when we can stop or cut down on the amount of time we spend at work and all of the things we’d like to do once we’ve retired. If you’re facing a pension shortfall or need to meet an unexpected expense, equity release may be an option to consider. It allows you to unlock some of the wealth you’ve accumulated in your property without having to move. But before you consider taking this option, there are key aspects of it that you need to know.
- Guide to Pensions and Divorce
- A Guide to Wealth Protection
- Guide to Asset Allocation
- A Guide to Inheritance Tax
- A Guide to Retirement Planning
- A Guide to Wealth Management
- A Guide to NISAs for 2015
- A Guide to New Pensions Freedom
- A Guide to 2014/15 Year End Tax Planning
- A Guide to the 2014 Autumn Statement
- Guide to Inheritance Tax
- How To Invest In 2014/15
- Guide to NISAs
- Guide to Auto Enrolment
- Guide to Achieving Financial Independence
- Guide to Individual Savings Accounts
- Guide to Investing for Income
- How to Benefit from Financial Planning
- A Guide 2012/2013 Year End Tax Planning
- A guide to the Autumn Statement 2012
- A Guide to Wealth Creation
- Renewable Energy - A Tax Efficient Investment Opportunity
- In this World E-shot Article
- Guide to the Autumn Statement 2013
- A Guide to 2013/2014 Year End Tax Planning
September / October 2020 Newsletter
Silver Splitters - Financial fall-out of divorcing in middle age
'No Desire to Retire' - Why working and retirement are no longer binary terms
Planning to Leave a Family Legacy? - Impact of Coronavirus (COVID-19) on Will making
plus much more
March / April 2020 Newsletter
Planning For Tomorrow - Will my retirement income be enough to live on comfortably?
Top 4 Tips For Good Tax Planning - What should I consider before the end of this tax year?
Preserving Your Legacy - How to keep your wealth in the family
Time To Give Your Pension Pot A Boost? - Planning ahead for the financial future you want
plus much more
January / February 2020 Newsletter
Estate Protection - Preserving your wealth and transferring it effectively
Retiring Abroad - Prior preparation is key for a smooth transition into your new life
ISA Returns Of The Year - Time to explore your ISA options?
Wealth Uplift - Calculating the value of financial advice
plus much more
November / December 2019 Newsletter
Cultivate The Art Of Patience - Focus on long-term investment objectives
Sleepwalking Into Retirement - How much will you need to save to afford a comfortable retirement?
Tax-wise - Make the most of your valuable allowances, reliefs and exemptions
Every Journey Starts With A Destination - Looking at the bigger picture for your wealth and security
plus much more
September / October 2019 Newsletter
Retirement Resilience - Taking the reins and having more control over your pension pot
Not Ready To Give Up Working And Retire - Almost half of UK employees expect to work beyond the age of 65
Cashing Out - Pension changes brought a whole new range of options to consider
Saving Adequately For The Future - How much should you try to save to have a comfortable retirement?
plus much more
July / August 2019 Newsletter
Choppy waters, not full-on gale - Wait for the bad weather to pass and stay the course
Goldilocks economy - How to prepare your portfolio for inflation
Healthy, wealthy and well advised - Financial complexities of passing on wealth
Show me the money - Turning pensions into money you can use
plus much more
May / June 2019 Newsletter
Inheritance Tax - No longer something that only affects the very wealthy
Building a diverse portfolio - Time, patience and making informed decisions
Tracing a lost pension - The scale of the UK's lost pensions mountain has been exposed by the largest study yest on the subject
plus much more
March / April 2019 Newsletter
Life after work - Planning for the retirement you deserve
Your ISA, your future - Time to reimagine how to invest more tax-efficiently?
Retirement options - Greater responsibility on individuals to plan for financial security in old age
Brexit - what next? - Unintended consequences
plus much more
January / February 2019 Newsletter
Exploring your ISA options - Time to give your financial future a boost?
Keeping it in the family - Careful planning can reduce or even eliminate the inheritance Tax payable
For the life you want - Building up your nest egg is more discipline than difficult
State Pension - Move to equalise male and female pension ages
plus much more
November / December 2018 Newsletter
Festive Gifts - Building wealth for a solid financial future
Inflation Matters - Impact of rising prices on investments
Wealth Navigator - Planning the best route for the next generation
Avoid The Mad March Rush - Get a head start on your tax planning resolutions
plus much more
September / October 2018 Newsletter
Positive Outcomes - Impact investing without sacrificing returns or profits
Generation still Taxed - Numbers nearly double in the last two decades
Seize the day Today - Make your vision a reality
Should I stay or should I go now? - Key aspects that influence retirement decisions
plus much more
July / August 2018 Newsletter
Transferring ISAS - Time to bring your investments together?
Back to the Future - Visualising what really matters to you is the key to the planning process
When I'm gone - How a simple list can help your loved ones after your death
ISA Rules and Inheritance Tax - Families set to pay millions in unnecessary tax
plus much more
May / June 2018 Newsletter
Protecting your estate for future generations
Generous grandparents - The bank that likes to say ‘yes’
Your money, your choice - Supporting your future financial requirements
Making the most of your pensions - Have you accumulated multiple plans that need reviewing?
Retirement wealth - What’s the right answer for you?
plus much more
March / April 2018 Newsletter
Market matters - Don’t let current global uncertainties affect your financial planning
Wealth preservation - Reducing Inheritance Tax means taking action now
Tips to minimise the tax you pay - Have you utilised your tax planning deadline opportunities?
Retirees enjoy new lease of life - Pensioners embracing the benefits of retirement
plus much more
January / February 2018 Newsletter
Making solid financial resolutions - Grow your money and live the life you want
Reach your financial goals - Helping you realise your retirement vision
‘Sandwich’ generation - Not having enough money for retirement is the biggest concern
ISA returns of the year - Taking control over where your money is invested tax-efficiently
plus much more
November / December 2017 Newsletter
Don’t worry, be happy - How to build a sustainable retirement income plan
Growing care costs - Ageing population faces significant funding crisis
Your wealth. Your legacy - Families shying away from difficult conversations
Market sentiment - Reaching your long-term investment goals
plus much more
September / October 2017 Newsletter
New State Pension age - How will it affect your retirement plans?
Shopping around for a better deal - Consumers lost £130 million by sticking with the same pension provider in 2016.
Investing for income - How certain innate behavioural traits influence our decision-making
plus much more
May / June 2017 Newsletter
Road to Brexit - Biggest investment planning challenge over the coming years for all investors.
Protecting your finances and well-being - Millions of Britons face financial fallout should serious illness strike.
Pension freedoms - Retirement savers say they are still confused by the rules.
plus much more
March / April 2017 Newsletter
Safeguarding wealth for future generations - New Inheritance Tax rules apply from 6 April 2017.
A little today, a lot tomorrow - Managing investment risk during turbulent markets.
Looking to the future - Cost of essentials is the most common perceived threat to over-55s.
plus much more
January / February 2017 Newsletter
Delegating Power - When you are unable to make your own decisions.
Top Trump - Winners and losers from the seismic US election result.
2016/17 Year End Planning - Keeping your taxes as low as possible – what you may wish to consider sooner rather than later.
Investment Outlook - Taking advantage of opportunities in 2017.
plus much more
November / December 2016 Newsletter
Navigating Your Investment Options - How professional financial advice can prove invaluable.
Money's Too Tight To Mention - Planning financially for long-term sickness.
Consolidating Your Pension Pots - What you need to consider to ensure you don't lose out.
plus much more
September / October 2016 Newsletter
Pension Reforms - How the lifetime allowance reduction could impact on your retirement savings.
Investment Matters Post-brexit - Facing new challenges at every turn to meet long-term objectives.
Empty Nest, Empty Wallet - Parents putting financial health at risk to fund university costs.
plus much more
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