Get it right

Life Insurance Annuity

Friday, February 3rd, 2012

‘Annuities? I don’t think so!’ This was the reaction of one of our clients, when we were discussing their income in retirement. If you’ve not heard the term before, an annuity is a guaranteed income for life, which you buy from an insurance company with your pension fund. Most people who are not lucky enough [...]

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Long Term Care Costs

Monday, December 19th, 2011

Long Term Care Costs – Why Where You Live Makes a Difference Two weeks ago we wrote about long term care costs and funding. One of the subjects we mentioned in our article was the contribution to nursing care costs that some people are eligible to receive. This is an area where many people who [...]

Tags: long term care, long term care costs, property

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UK Pension Fund

Monday, December 12th, 2011

Doom, Gloom and Taxes, and your UK Pension Fund The days are short, the economic recovery seems uncertain and Christmas is fast approaching. Amidst all the gloom and bad news a discussion on death and taxes with one of our clients didn’t seem inappropriate and the proverb attributed to Benjamin Franklin one of the Founding [...]

Tags: funds, investments, pensions, retirement, saving for retirement, savings

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Long Term Care Planning

Monday, December 5th, 2011

Protect Your Property from Long Term Care Costs The subject of long term care is an emotional one for many people. It’s also very much a financial subject. Long term care can be expensive. There is no getting away from that. However, by taking the right advice and having the facts, it doesn’t have to [...]

Tags: long term care, long term care costs, property

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The Pension Geek’s Pop Quiz

Monday, November 28th, 2011

The Pension Geek’s Pop Quiz. Welcome to the Worldwide Pensions Pop Quiz! Want to know more about pensions? Worried about how you can fund yours? Test your knowledge of pensions, and pensions-related songs, against our Pension Geek’s and find out the facts along the way! “Will you still feed me when I’m 64?” In the [...]

Tags: pensions, tax

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Pension Funding

Friday, November 4th, 2011

Take a SIPP from the pension cup Pension funding… Probably not something you spend much time thinking about. But it’s something we think a lot about. Especially when one of our readers asked us recently how could an adviser add value to her pension fund? Traditionally retirement funds or policies have been built up over [...]

Tags: FTSE100, funds, independent financial advice, Independent Financial Advisers, Inheritance tax, pensions, tax

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Savings Accounts For Children

Friday, October 28th, 2011

Junior ISAs: kick-starting the savings habit? The Junior ISA launches on the 1st November, after much fanfare from the government. It all sounds good at first glance – a savings account for children which is a mini version of an Individual Savings Account (ISA), with a tax-free contribution allowance and access allowed when the child [...]

Tags: Inheritance tax, investing, investment, ISAs, offshore bonds

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Time To Die, Mr Investment Bond?

Friday, October 21st, 2011

Time to die, Mr Bond? It will soon be Christmas and the inevitable James Bond film will be on the TV. We’ve noticed some similarities between these action films and the financial services industry. Both feature sharks and incomprehensible acronyms: in the world of OO7 films, SMERSH and SPECTRE, and in the world of financial [...]

Tags: investing, investment bonds, investments, ISAs

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Planning Your Retirement

Friday, October 7th, 2011

Planning your retirement for the lifestyle you want Mention ‘life style’ and for many people it creates an image of hobbies, holidays, interiors and fashions. Life style is basically the style in which you live your life. It’s about the choices you make in life. Some choices, of course, are more important and have more [...]

Tags: FTSE100, investments, pensions

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Pensions for Children

Friday, September 30th, 2011

Pocket Money, Porsches and Pensions for Children My twelve year old son George is saving his pocket money to buy a Porsche. At five pounds a week, it’s going to take a long time. As a parent though, I’m more worried about how he’s going to manage financially in the future. What options are there [...]

Tags: investment performance, pensions, saving for retirement, savings

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