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Why getting the right advice is so important

Establishing a relationship with an Independent Financial Adviser (IFA) you can trust to handle all of your financial needs is critical to achieving your financial goals. Not all Financial Advisers are the same, so you must beware! The two main types of financial...

Defined Benefit Transfers and Pension Freedoms

One item to make the headlines recently, for all the wrong reasons, was the transfer out of British Steel pensions (a defined benefit or DB scheme) into Personal Pensions (PPs) or Self-Invested Personal Pensions (SIPPs). The reason they hit the headlines was because...

The Markets

When we were about to start writing this piece about the stock markets, we were going to talk about how placid they had been for some time, and had been showing good growth. Then they fell…a lot! On January 15th, the FTSE100 reached a high of 7,777, and now at...

Pension Cashflow Forecasting

We always find that when we ask a client what he or she is likely to get from their pension, they have no idea. People can tell you what they would like, but whether they have enough or not is another thing…until now. The Pensions Dashboard is a government...

Adding value to your clients through Proactive Investing

If your clients can maximise their investments – whether this be pensions, ISAs, bonds or general investments – they will be a lot better off. We know that’s a fairly obvious comment but not many people put this into practice. Let’s say one of your clients...

Splitting Pensions in Divorce

When spouses separate and then divorce, there will be a need to split up pensions if one party’s pension is significantly better than the other. Usually, that is the case since most couples do not follow the general plan of splitting pensions 50/50. Admittedly, there...