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Pensions & Retirement

Develop a robust retirement plan

Having a good idea of the lifestyle you want is key. People planning for retirement should think hard about what they want to do when they eventually stop work. It is helpful to have a good idea of the lifestyle you want, how much it will cost and how you are going to pay for it. With so much going…
November 17, 2022
Pensions & Retirement


It’s never too late to think about saving for retirement How much do you think you’ll need to fund your retirement? Of course, the answer to that question will depend on what you want to do when you stop work. Worryingly, almost half of non-retirees (46%) are unable to identify how much they believe retirees receive annually from their State…
November 14, 2022
Pensions & Retirement

Save On Income Tax With Your Pension

Save on your income tax by paying into your pension pot? Sounds too good to be true? Well it’s not and tax law here in Scotland allow those in a higher tax band to save on income tax by paying into their pension. Read on to find out more:   Current Scottish income tax brackets fall as follows:   Band…
October 27, 2022
Budgeting & Financial habitsFamily

Starting a family

What steps to take to prepare financially Having a baby is one of the most exciting, life-changing events that you’ll ever experience. But along with the joy and happiness that comes with starting a family, there is also the reality of the added costs. On average in 2021, the total cost of raising a child to the age of 18…
October 24, 2022
FamilyPensions & Retirement

Pension poverty after divorce

Ensuring an equal division of all the assets within the matrimonial pot The breakdown of a marriage is often referred to one of the most traumatic and stressful events anyone can go through. Divorce can also be a costly experience, often including legal fees, a new home, a new car and new childcare costs. So, it’s perhaps predictable that so…
October 20, 2022
Budgeting & Financial habits

Recession-proof your finances

10 practical steps to ensure your money is working hard for you In these uncertain times, it’s more important than ever to make sure your finances are in order. The Bank of England believes that a painful squeeze on our living standards, driven, primarily, by soaring energy prices, is set to intensify and will push the UK economy into recession…
October 17, 2022
Pensions & Retirement

Early Retirement At 55

Early retirement does not need to be pie in the sky and can be a legitimate option for some people. Retiring early is a goal for many so that you can enjoy life whilst still young and healthy. It does require some early investment, however, and isn’t always for everyone but here are the basics to remember: There are currently…
October 13, 2022
FamilyLater Life

What does inflation mean for me and my money?

How to protect and grow your wealth over time Inflation is one of the most important factors that savers and investors must take into account when making decisions about their money. Although inflation can eat away at the purchasing power of your savings, it can also create opportunities for profit if you invest in assets that are expected to increase…
October 10, 2022
Pensions & Retirement

Signs you’re really ready to retire

No one-size-fits-all answer to this question When is the right time to retire? There’s no one-size-fits-all answer to this question – it depends on your personal circumstances. However, there are a few things to consider that may help you decide when the right time for you is. For example, think about your financial situation. Do you have enough saved up…
October 6, 2022
Estate & Tax

How to reduce Inheritance Tax by leaving a gift

Planning for your wealth preservation and the eventual transfer of that wealth When you’ve worked hard and invested carefully to build your wealth, you want to look after it. That’s why it’s important to plan for your wealth preservation and the eventual transfer of that wealth. If you’re considering making a gift to someone, there are a few things you…
October 3, 2022

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