When should I stop working?

How to tell whether you’re ready to retire

Do you have enough income to retire? Are you prepared for the life changes retirement will bring? Is this the right time to sell your business? Is your timing right or will your savings and investments be at risk from volatile market conditions?

Bank of grandma and grandad

Older generation using the wealth held in their property to help younger generations

It’s no secret that many younger people tend to encounter difficulties when seeking to enter the housing market for the first time. The degree to which existing homeowners are now prepared to use their own wealth to help their other family members onto the property ladder has increased notably over the last six years.

Mind the retirement gap

Four out of five workers not saving at levels which are likely to deliver an acceptable standard of living in old age

Four in five workers (16 million people) are not saving at levels which are likely to deliver an acceptable standard of living in retirement, according to new research[1] – these numbers exclude Defined Benefit pension savings.

Later-life and financial wellbeing

More than one-million over-60’s are rethinking later life plans

With people living longer lives and retirement now lasting up to several decades, the reality is that the majority of us will have to pay for later life care at some stage – whether that be for ourselves or loved ones.

Pension booster

Mistakes to avoid when you’re aiming to build your pot

Many people are feeling the pressure on their finances at the moment due to the backdrop of rising inflation and the cost-of-living soaring. In these circumstances, it can be difficult to think about your long-term finances or even contemplate saving for the future.

Navigating the higher-rate tax freeze

Minimising the impact on your personal finances

If you’re a higher rate taxpayer, the freeze on the Income Tax threshold will have meant an increase in your tax bill. The reason for the increase stems from the Chancellor’s decision in April 2021 to freeze the higher rate tax threshold rather than increase it in line with inflation.

Financial roadmap

Essential needs, lifestyle wants and legacy aspirations

When it comes to planning for your financial future, a roadmap can be an extremely helpful tool. By outlining your current situation and mapping out where you want to be, you can develop a clear plan of action that will help you achieve your financial goals.

Goals-based investing

Helping you to make wise financial decisions

Investors today are bombarded with an overwhelming number of choices and investment options. With so many options available, it can be difficult to determine which one is the best fit for your individual needs. This is where goals-based investing comes in.

Take control of your finances

Choosing the right investments and making better decisions overall

Investing can be a complicated and confusing process, especially for those who are new to it. There are so many different options and strategies, and it can be difficult to know where to start. One of the most important things you can do when starting out is to have a clear understanding about what you are hoping to achieve with your investments.

What do you really want from your investments?

Identifying areas where you could be saving and investing more money

It’s important to regularly review your finances in order to stay on top of your money and make sure you’re making the most of it. A personal financial review can help you identify areas where you could be saving and investing more money.