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…
Category: Retirement
Read the latest news and thoughts from our Financial Planner, Andrew.
It’s OK to Spend Savings in Retirement
18.03.25
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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…
It All Comes Down To Two Desires
13.02.25
When planning for retirement, every financial decision, whether about spending, saving, or investing, is shaped by two fundamental desires: financial security and financial freedom. Financial security is the need to…
Why You Need to Know Your Lifetime Priorities
12.01.25
When I first meet with prospective clients the majority of the initial meeting is spent understanding their lifetime priorities. The money takes a back seat in the discussion. This may…
What Would the Ghosts of Christmas Show You About Your Life?
16.12.24
In Charles Dickens’ A Christmas Carol the central character, Ebenezer Scrooge was visited by three ghosts on the eve of Christmas: the ghost of Christmas past, the ghost of Christmas…
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 Strategies for a Successful Retirement Transition
26.11.24
As you approach the end of your career you may be struggling with the decision about whether you retire or not. For some people it’s an easy decision; they are…
101 Things To Do In Retirement To Avoid Boredom
11.11.24
A common objection to retirement I often hear is: “I don’t know what I’d do, I just end up being bored”. There is no doubt retirement takes some adjusting to…