
Have you ever gone through that exercise whether verbally with someone else or in your head, where you work out how you would spend a lottery win? My wife and…
Have you ever gone through that exercise whether verbally with someone else or in your head, where you work out how you would spend a lottery win? My wife and…
Retirement is often painted as the golden phase of life, a time to travel, take up hobbies, learn new skills, or tick off the ‘bucket list’. But what happens when…
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…
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…
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…
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…
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…
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…
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…
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…
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