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Money Money Money!

Money Money Money! “I don’t want to lose my money” is often one of the concerns that I hear when I talk to clients about investments.  However what most clients don’t realise is that is exactly what is happening every year when it is left in a bank or savings account. How? I hear you…

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How To Select A Financial Adviser

How To Select A Financial Adviser Finding the right financial adviser is crucial and is not always as simple as it may seem. In this article, we look at the key issues to consider. Financial advisers tend to offer a range of services from general financial planning to investment advice, Inheritance Tax and estate planning…

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Budgeting For Retirement

Budgeting For Retirement Budgeting for retirement tends to be a one off exercise as individuals approach the date they would like to retire. That could be a mistake. Even if it is a rough first stab the earlier a budget can be prepared the better. Then if there is a shortfall between what is needed…

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The Pensions Dashboard – An Overview

The Pensions Dashboard – An Overview The original concept of the pensions dashboard was to deliver a simple online interface to allow a user to view all their pension information in one place. This, it was believed, would increase individuals engagement with their pensions and stimulate decisions about their retirement. A Troubled History The pension…

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The Impact of Divorce on Retirement

The Impact of Divorce on Retirement A Prudential report in 2015 showed that people approaching retirement who have been divorced are more likely to delay retirement than those who have never divorced. A pension fund is likely to be one of the largest and most complicated assets a couple will have to split in the…

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Managing Longevity Risk In Retirement

Managing Longevity Risk In Retirement In our previous post on risks to consider during a retirement planning exercise, we briefly covered longevity risk. In this post, we expand on how future uncertainties  can impact your retirement plans. There are several unknowns that make any retirement planning exercise difficult, such as:         How long you (and your spouse) will…