Pension Advice


Is deferring the State Pension still a good deal?


We are regularly asked, “Is deferring the State Pension still a good deal?” As with many questions the answer is “it depends!” It has been well documented that the State Pension age (SPa) is going up, and that this has been very unfortunate for certain groups of individuals who were expecting to receive it at […]

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Review existing pensions


As we move through our working life, almost inevitably we can build up a collection of pensions from previous employers and self-employment, amounting to significant six figure sums, but do you need to take any specific action with these pensions? Too often, we see advice centred around simplifying and consolidating all your disparate arrangements, which […]

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Passing pensions down the generations


The obvious personal tax benefits of a personal pension (SIPP) are well known, income tax relief on contributions, tax-free growth inside the pension and the option to take 25% of the accumulated fund as a tax-free lump sum, but what about the Inheritance Tax benefits? Defined Contribution pensions (Personal pension/SIPP) can be passed to any […]

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Withdrawing from your pension


How much of my pension can I spend each year and not run out of money? A very common question we are asked is “how much can I withdraw from my pension each year to fund my lifestyle, whilst ideally ensuring there is sufficient capital remaining to provide a similar level of income into the […]

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The new State Pension: what the changes mean for you


The new State Pension has been introduced for people who reach State Pension age on or after 6 April 2016. You’ll be able to claim the new State Pension if you reach State Pension age on or after 6 April 2016. This applies to: Men born on or after 6 April 1951; Women born on or […]

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Investment Management – Stop Monkeying Around!


In the world of investment management there is an idea that blind-folded monkeys throwing darts at pages of stock listings can select portfolios that will do just as well, if not better, than both the market and the average portfolio constructed by professional money managers. If this is true, why might it be the case? […]

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Review existing pensions


As we move through our working life, almost inevitably we can build up a collection of pensions from previous employers and self-employment, amounting to significant six figure sums, but do you need to take any specific action with these pensions? Too often, we see advice centred around simplifying and consolidating all your disparate arrangements, which […]

Read more →


Passing pensions down the generations


The obvious personal tax benefits of a personal pension (SIPP) are well known, income tax relief on contributions, tax-free growth inside the pension and the option to take 25% of the accumulated fund as a tax-free lump sum, but what about the Inheritance Tax benefits? Defined Contribution pensions (Personal pension/SIPP) can be passed to any […]

Read more →


Lasting Power of Attorney


What is a power of attorney? A power of attorney is a legal document that allows someone to make decisions for you, or act on your behalf, if you’re no longer able to or if you no longer want to make your own decisions. There are a number of reasons why you might need someone […]

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