Sequencing Risk – Why The Timing of Stock Market Crashes Can Have A Big Impact On Your Retirement
11.09.25
When we think about retirement risks, stock market crashes and inflation often come to mind. But one of the most significant and least understood risks is something called sequencing risk…
12 Things To Do NOW To Not Run Out of Money in Retirement
25.03.25
When I ask clients and prospective clients why their money is important to them it is usually because it provides freedom and financial security. In other words, they want to…
It’s OK to Spend Savings in Retirement
18.03.25
Don’t worry, it’s OK to spend savings in retirement, but it does come with a caveat. If you have been diligent during your working life you will have built up…
Maximise Your State Pension Before 5 April 2025
04.03.25
A reminder for anyone who doesn’t currently qualify for the full State pension: if you have gaps in your National Insurance (NI) record between 6th April 2006 and 5th April…
“How Much Money Do I Need to Retire?”
25.02.25
I’m often asked “how big does my pension need to be?”, or words to that effect. A simple question to which a simple but not very helpful answer is: It…
Is Drawing Down Pensions to Avoid IHT Sensible?
09.12.24
Following Rachel Reeve’s October Budget, which will see pension funds included in estates for IHT purposes from 2027, I’m hearing of people re-evaluating their retirement strategies and intending to draw…
14 Retirement assumptions you may later regret
02.12.24
We make assumptions every day; we have to otherwise we would never get anything done. Most of the time the assumptions we make are either correct or immaterial if they…
10 Reasons Why You Won’t Be Able To Retire When You Wish To (and the Solutions)
04.11.24
At some point the day will come when you either don’t have the motivation or energy to continue working and you will decide it is either time to stop entirely…
Investing is Simple Once You Block Out The Noise
21.10.24
Investing, whether that is via your pension, ISA or an investment account is a simple process made complicated by the cacophany of noise that pervades the financial services market. Google…
Should I Pay Off My Mortgage?
02.09.24
This is an updated post. It was originally published in September 2017. You’ve got to the point where you are asking yourself “Should I pay off my mortgage?”. Maybe the…
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