Are Annuities Back for good? Many moons ago when I was just a young (and wet behind the ears) financial adviser with Pearl Assurance the only option available to people with a personal pension at retirement (or as they were known back then, retirement annuity contracts) was to buy an annuity. An annuity is simply…
Let’s talk about: Annuities Is the UK in recession? There seems to be a lot of conflicting data, but one thing seems certain (according to the Bank of England and Office for Budget Responsibility) the UK will be in recession in 2023. With the doom and gloom and turmoil of the financial markets you’d be…
Market Update: October 2022 I think it’s fair to say that our resilience and patience as investors is being severely tested. During the last 5 years or so, we’ve suffered market uncertainty following the Brexit vote and the run-up to leaving the EU, COVID19, the war in Ukraine and now the impact of rising inflation…
A year in review: Looking back on the year that was 2021 I hope this blog finds you safe and well and looking forward to the coming festivities? You’ll remember last December that we had to cancel Christmas and on the 4th January the Prime Minister announced a national lockdown, instructing people to stay at…
Social Care Reform – What does it mean for you? On the 7th of September, Boris Johnson released the Government’s Social Care Reform Plan. The plan will use national insurance contributions to fund social care and the NHS (for the next 3 years). So what is changing for social care funding? The highlights (from October…
