Understanding the Lifetime Allowance

Most retirees are aware of the Lifetime Allowance – a limit on the total amount of money that can be saved in pension schemes before incurring a tax charge. However, many people are unsure of how it works or what they need to do to stay below the allowable limit. In this article, we will provide an overview of the Lifetime Allowance and explain how you can protect yourself from exceeding it.

Protecting Parents

As a stay-at-home parent, you are the unsung hero of your family. You juggle endless responsibilities while managing to keep your house in order and your children happy. But what happens when something tragic happens and you can no longer provide for your family? Protecting yourself and your loved ones is essential.

Tips To Make Money Smart Kids

The secret to long-term success lies in teaching children. As parents, we want to do everything in our power to set our children up for success in life. One important way to do that is by teaching them how to handle money wisely. Here are tips to help you get started.

The Impact of Inflation on Your Money

Many people may be asking themselves right now: How can I protect my money from inflation? As the cost of living continues to rise, this becomes a significant concern for those with savings and investments as they see their hard-earned cash becoming worth less over time.

Pension Transfers Touch Record Highs

A flurry of activity in the DB pension transfer market has seen record high transfer values. Advisors and investors alike are watching carefully to see if this is a sign of things to come, or if recent concerns over red flags in the market will have an impact on transfers. Defined benefit pension transfer values reached a new high, but they’re still shorter than what was seen last year.

Sustainable Investment for Savers

As more people become aware of the impact their money can have on companies and supply chains, they’re increasingly interested in investing in companies that align with their values.

Advisory Firms Are Ready & Able to Invest in Tech

The growth of the digital advice market is accelerating, which is primarily attributed to businesses rapidly adopting and investing more in their technological capabilities.  This is good news for consumers seeking affordable and easily accessible financial advice. However, it also creates a more competitive landscape for traditional advisers who need to adapt, or risk being left behind.

Sustainable Investing is Changing

As investment advisors, it is important for us to stay up-to-date on the latest regulatory changes affecting the industry. One area that has been evolving rapidly in recent years is sustainable investing. New regulatory frameworks have been put in place to promote more responsible and ethical investing practices.

Do Young Brits Have a Plan for Retirement?

When it comes to saving for retirement, Brits aged 35-54 are caught between a rock and hard place. They’re too young to have benefitted from defined benefit pensions, but may be enrolled into auto-enrolment, which usually happens mid-career.
This has led them into what’s called “the squeezed generation” when it comes to how much they have managed to put aside for when they retire.
With nearly half of UK workers unaware that their occupational pension will provide them with an income in retirement, now is the time for everyone to plan better.

What Steps You Can Take to Improve Your Chances of Achieving The Retirement You Deserve Today

When it comes to planning for retirement, there are a few key things you need to keep in mind. First, you need to make sure you have enough money saved up to cover your costs. This includes everything from your mortgage or rent payments to your food and utility bills. Next, you need to think about how much income you will need to cover your retirement expenses. This will vary depending on your lifestyle and where you plan to retire.

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