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Time to retire?

Planning your finances to be sustainable for the long term is key

There are signs and targets that can signal that you are prepared to retire, but it can be difficult to figure out when you are truly ready to retire. We may think of retirement as being centred around a particular age or monetary amount. When we get to ‘X’ years old or have ‘Y’ amount of money, we can move on to our ‘golden years’.

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Financial security and freedom

Rising prices add almost 20% to ‘minimum’ cost of retirement

Despite the slow economic recovery, many retirees trying to maintain a basic standard of living have seen the cost of their lifestyle increase by nearly 20% over the past year, according to a new report[1].

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Thinking about divorcing?

Protecting your assets and preparing you for going forward on your own

Divorce involves many loose ends, both emotional and financial. It can generate high levels of uncertainty and financial stress, as it impacts on all areas of your life, from living arrangements to assets and pensions. That’s why financial planning through a divorce is essential to help protect your assets and prepare you for going forward on your own.

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Cost of living crisis

Almost one in three over-55s’ mortgage repayment plans derailed

The cost of living crisis is a concerning and long-term problem for those trying to pay off their mortgage, especially over-55s who are already having difficulty saving enough for retirement.

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Financial bliss!

Money and finances are often a common source of disagreement and stress

When you get married, or cohabit, you are not just blending your hearts and lives together, you are also combining your finances. So it is important that you take the time to discuss and plan how you will manage your combined resources in order to ensure financial security for both of you.

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Cost averaging your investments

Reducing the risk of investing in volatile markets

Cost averaging, or pound cost averaging, is an investment approach that involves dividing up the total amount to be invested into equal amounts and investing these at regular intervals over a period of time.

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Insurance that works while you can’t

2.5 million Britons lose at least £23,126 a year due to long-term illness

Losing your job due to an illness or injury could have serious financial consequences for you and your family. Rent, mortgage payments and other living costs may no longer be covered, leading to a lifestyle that’s difficult to maintain.

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Retirement planning for every life stage

Alleviate any fear and uncertainty you might have about your financial future

No matter what stage of life you’re in, it’s never too early or late to start planning for your retirement. By taking a personalised approach, you can develop a retirement plan that will work for you throughout your life.

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Overwhelmed by your pension?

Almost half of UK consumers find pensions information daunting

In an era where the cost of living is threatening to undermine consumer confidence, it’s no surprise that almost half of UK consumers find pensions information overwhelming. It can be difficult for individuals to make informed decisions about their retirement planning when faced with such a daunting task.

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Protecting income

17% of self-employed workers would choose to carry on working through illness or injury

Many adults understand the need for financial resilience and taking out insurance to protect their incomes in case of sickness or accident. However, too many self-employed people do not have any cover to help them should they be unable to work and are increasingly likely to choose to carry on working despite illness or injury.

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