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10 tips to achieving your financial goals

Time to diagnose your money situation with a financial health check?

 Even if you have a solid financial plan in place, it still needs to be updated regularly to ensure it reflects any life changes. But what should your priorities focus on now? Is it time to turn your attention to your pension, your ISA, your mortgage, or something else?

Rewritten retirement rules

Looking to discover what you can do with your pension pot?

In 2015, the retirement rules were rewritten. The rules, which came into effect from 6 April 2015, have changed the way people take money out of their pensions, with new freedoms and options available to anyone over the age of 55.

Care in later life

Making the difficult choice between live-in care and a care home

One of the biggest challenges of the 21st century is Britain’s ageing population. As later-life care becomes more prevalent, whether you are considering this for yourself or a relative, covering the costs involved can be significant.

Silver splitters

Financial fall-out of divorcing in middle age

While the number of couples divorcing has decreased in recent years[1], with 91,299 cases in 2018 compared to 102,007 in 2017, the cohort of couples deciding to split in later life is on the rise. Also, pre-pandemic divorce valuations could have changed by as much as 30%, which may lead to some people receiving unfair settlements if valuations are not updated[2].

Delaying retirement

Pandemic forcing a widespread rethink of retirement plans 

The coronavirus (COVID-19) pandemic crisis has thrown some of the nation’s retirement plans up in the air. As a result, a number of people over 50 and in work are set to delay their retirement (15%) by an average of three years, or keep working indefinitely (26%) as a direct result of COVID-19, according to new research[1].

Take it to the max

How to make the most of the various pension allowances

Saving into a pension is one of the most tax-efficient ways to save for your retirement. Not only do pensions enable you to grow your retirement savings largely free of tax, but they also provide tax relief on the contributions you make.

Investing during retirement

Why it’s important not to view your portfolio with an element of finality

Retirement is a major accomplishment for most people. You’ve worked hard all of your working life to save and prepare for your retirement, and now you’ve finally retired. So how should you approach investing now that you’re no longer earning a salary? When it comes to investing during retirement, with the right strategy, you can help make sure your retirement savings last.

No desire to retire generation

Why working and retirement are no longer binary terms 

Giving up the 9-to-5 doesn’t necessarily mean stopping working. Many people are now considering staggered or flexible working. It can suit some individuals that have caring responsibilities, health issues or for those thinking about retiring in the next few years.

Planning to leave a family legacy?

Impact of coronavirus (COVID-19) on Will making

We are living in extraordinary times right now, in the grip of a global coronavirus (COVID19) pandemic. Many people are concerned to ensure that their affairs are in order and that they have made a Will, which is one of the most important legal documents you can create in life.

Life insurance protection

COVID-19 pandemic outbreak causing many of us to think about our own mortality

The terrifying daily death tolls resulting from the coronavirus (COVID-19) pandemic outbreak may be causing many of us to think about our own mortality, particularly if we’re responsible for a family or business loans. Increasingly we’re having to think about things we haven’t thought about before – including the unthinkable.

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