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Plan for tomorrow – live for today…

Helping you achieve your financial goals The key steps toward financial security are to translate them into your own terms. What, exactly, are your personal financial goals? If you have trouble sorting them out, try classifying them as either wants or needs. Go a step further and add short-term, medium-term and long-term to the descriptions. Now you have some useful labels…

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Mind the divorce gap

Women see incomes fall by 33% following divorce, compared to just 18% for men Divorce is an emotionally charged event – and can be an expensive one. The financial impact of divorce can also last for decades and carry on into older age. Women are also often impacted harder financially by divorce, new research highlights. Many women are likely to see…

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Reappraisal of urban living

3 million people in the UK aged over 50 considering relocating The coronavirus (COVID-19) pandemic has lead to a reappraisal of urban living, with increasing numbers fleeing city confines in search of green space. 3 million people aged over 50 (12%) now plan to relocate in retirement, as a direct result of the pandemic. A year of lockdowns has led these…

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‘It’s not what you earn, it’s what you keep’

The potential impact to your expected retirement income over time When you’re planning your retirement income, there are multiple factors to consider: how much you can expect from the State Pension, the value of the pensions you have accumulated in your working life, your projected outgoings, and your potential later life expenses. One more factor not to overlook is how much…

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Pension boost

Are you claiming all of the generous tax relief you’re entitled to? The unique combination of tax breaks and flexible access available to pensions make them a compelling choice when saving for retirement. One of the key benefits of saving into a pension rather than another type of savings or investment vehicle is the generous tax relief you’re entitled to receive….

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Protecting Family Wealth

Start planning your legacy to mitigate or reduce Inheritance Tax If you’ve worked hard throughout your lifetime to grow your wealth, and hope it will help to safeguard the financial security of your loved ones after you’ve gone. But without careful planning in your lifetime, you could leave them with less than expected after the Inheritance Tax bill is paid. Proper…

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Retirement planning journey

What you need to consider at every life stage When you’re starting out working in your 20s, you may not be thinking about retirement in 40 years. The same goes for your 30s, 40s and even 50s. There is always something on the horizon you could be saving for besides your retirement. No matter how old you are, it’s always a…

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Post-Work Income

How much annual income will you receive from your pension and savings? Retirement will probably be one of the biggest events you ever go through in your life, so it’s not something you’ll leave to chance. But knowing how much you’ll need, and how to get there, isn’t always easy. Just four in ten (43%) working 50-65-year-olds who expect to retire…

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Peace of mind that you are on the right track…

How to plan for a confident retirement to live the lifestyle you want Retirement might seem a long way off but the later you leave planning for it, the less chance you have of achieving the retirement you want. We all dream of how we’ll spend our retirement but that dream looks different for everyone. Some people want to spend more…

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Succession Planning

Preparing yourself, your family and your business for the future The operational demands of running a family business or other closely held enterprise can be all-consuming, but it’s vital that business leaders take the time needed to assess their organisation’s business succession planning. After pouring years of your life into building a profitable business, it’s natural that you’ll want to pass…

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