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Investments

Are you making the best use of any spare capital or surplus income
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Protection

How much cash would your family need to maintain their current lifestyle if you die prematurely
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Pensions

When do you want to retire and how much income will you need?
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Mortgages

Do you want to reduce your current mortgage outlay or are you moving home?
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Pension Planning

It's important to plan ahead for your retirement. Here, we explain why pension planning is so important, and describe some of the options available to you. This information is intended only as guidance. For advice on your specific circumstances, please get in touch.

The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested.


Personal pensions may be suitable if you are self-employed, if you are not working but can afford to put aside money for retirement, or even in addition to a company pension.
On 6 April 2015 new pension rules came into force, giving you much greater flexibility over how you use your pension savings and the options you have in retirement. This document does NOT apply to people who are in Final Salary pension plans.
The fundamental idea of a personal pension plan is simple. You put money into a savings fund and it hopefully grows in value. At retirement, you convert the fund into a regular income payment, which is designed to replace some (or all) of your employment income.
We all know it’s important to plan for retirement, but many of us are still not planning well enough. Despite all the media headlines and Government initiatives, many of us still have a ‘tomorrow will do’ attitude. This is worrying for one simple reason – we are going to live longer than most of us think. This article explains further.
Annuities are historically the most popular option in retirement, with a great many looking for the security that they provide. However, it's unlikely that they will continue to account for as high a % of retirement income products as they have in the past, Why, you ask? This document will explain further.
With pensions being most people’s second-largest asset, they can become a major consideration in any divorce settlement.

Personal Finance

LONDON (Reuters) - British banks increased their lending to consumers in August at the slowest pace in at least five months, industry figures showed on Tuesday, a day after the Bank of England said banks had to bolster their defences against consumer loan losses.
LONDON (Reuters) - British banks have underestimated the risks from a surge in consumer borrowing and need to hold an extra 10 billion pounds of capital to guard against future dangers, the Bank of England said on Monday.
LONDON (Reuters) - Hopes for higher wage growth across Britain are receding, apart from in a few sectors of the labour market that suffer from acute skill shortages, according to a report published on Monday by recruitment company Hays .
BRIGHTON, England (Reuters) - Britain's opposition Labour Party set out plans on Monday to nationalise billions of pounds of privately-funded infrastructure contracts, cap credit card interest charges, and get extra cash from large corporations.
LONDON (Reuters) - Britain's rock-bottom household savings problem, which has raised fears about unsustainable debt-fuelled spending, might not be quite so acute after all, according to the country's statistics office.