Leave your family a pension – not a tax charge!

Many employer pension schemes now include a Death in Service benefit. But should the worst happen, this apparent perk may cause even more grief for your family if you don’t plan ahead. What are the risks and how can you avoid them? Isn’t it ironic, as Alanis Morissette once sang? Your employer, keen to offer … Continue reading “Leave your family a pension – not a tax charge!”

What happens to your pension when you die?

If you’ve made a will, well done. But the job’s not quite finished yet. Many people don’t realise that wills don’t cover pension pots – so you need to make separate arrangements. They say you can’t take it with you. And in an ideal world, many of us would like our pension to last exactly … Continue reading “What happens to your pension when you die?”

Why do we forget about life insurance?

It’s a funny thing, insurance.  Most people insure their car, house & contents, holiday, carpets and so on, but what is the most valuable thing in your house? In these current times of austerity who wants or needs to pay out yet another monthly premium especially on something like insurance we will never spend!  Yet … Continue reading “Why do we forget about life insurance?”

Three Ways to Cope with Losing Buy-to-Let Tax Relief

The game has changed for many buy-to-let landlords. From April 2017 the change to buy-to-let tax relief started being phased in, which could translate into a big loss of profits for many with rental properties. What can you do about it? It used to seem as if buying to let was a licence to print … Continue reading “Three Ways to Cope with Losing Buy-to-Let Tax Relief”

From student loan to your first pension and mortgage

You go to university because you want a good job and career. But what you won’t necessarily learn is how to adapt to your new life earning money and being financially responsible. Here are the top tips about work and finance that every graduate should know. There are many daunting aspects of graduating from university. … Continue reading “From student loan to your first pension and mortgage”

Seven power tips for pension planning

If you think life is looking more and more like Tales of the Unexpected, don’t despair. It’s still possible to take control of your own future – by understanding how pension freedom works. They say predicting the future is a mug’s game. They have a point. Just a couple of months ago, if I’d suggested … Continue reading “Seven power tips for pension planning”

How much should you keep in cash?

Is cash still king? The twin pressures of inflation and low interest rates are making cash savings less attractive – but what are the alternatives, and do they suit your needs? The main attraction of cash is that… it’s cash. The money is there exactly when and where you need it, and typically know you … Continue reading “How much should you keep in cash?”

How to be an unbiased investor

Making investment decisions is a lot more complex than it seems. Even with experience and knowledge on your side, there are other factors than can sway your judgement without you even noticing. You like to think that you’d look out for yourself. After all, no-one could care about your financial interests as much as you … Continue reading “How to be an unbiased investor”

Managing your money through Brexit

If the UK is leaving the European Union, what – if anything – might be the knock-on effect on the money in your pocket, and on your long-term financial plans? So we know that Brexit means Brexit – even if that’s just about all we know at this point. But what does Brexit mean for … Continue reading “Managing your money through Brexit”

Today’s the day for advice

On the first working Monday of the New Year, more people search for a financial adviser than on any other day. Will you be among them? Whether you’re saving, buying a home or drawing a pension, here’s how independent advice can give you the best possible start to 2017. Advice Day isn’t one of those … Continue reading “Today’s the day for advice”