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Pension freedoms

Over one million UK savers embrace relaxation of rules

The Government’s announcement on the relaxation of pension rules changed the investment landscape, and pension freedoms show no sign of losing their popularity.

Making plans for your retirement

Tailored to match your particular needs and aspirations

One of the most important stages in life which everybody has to save for is retirement. We work hard to enjoy our current lifestyle, but are we doing enough to ensure that we can continue to enjoy it in our retirement? Many of us live for today, but saving into a private pension plan can help us retire sooner rather than later.

Wealth creation

Spreading risk by accessing different types of assets

Investing for the long term means persisting through market swings. History shows that when people invest and stay invested, they’re more likely to earn positive returns in the long run. When markets start to fluctuate, it may be tempting to make financial decisions in reaction to changes to your portfolio.

Lifetime allowance

Breach may impact on more than a million workers

An estimated 1.25 million people are set to breach the current lifetime allowance (LTA) £1.055 million lifetime limit for pension tax relief over the course of their working life, according to new research published[1].

State Pension

Half a million workers past pension age could be paying unnecessary tax

A significant number of people working past the State Pension age could be paying unnecessary tax on their State Pension, according to new research[1]. This is because they failed to take up the option of deferring their State Pension until they stopped work. As a result, their entire State Pension is being taxed, in some cases at 40%.

Critical illness cover

Minimising the financial impact on you and your loved ones

What would life be like if you were diagnosed with a serious illness? Things could change very suddenly. You’d get your family together and tell them what was going on. Before long, you’d start spending time in hospital for treatment. You may also need to take some time off.

Where are you on your retirement journey?

Don’t fall foul of the tax rules and end up facing a significant tax bill

Are you approaching or in retirement? Are you confused about how much you’re allowed to contribute to your pension and what to do if you’ve been hit with an unexpected tax bill?

Wealth protection

Planning your legacy

Unforeseen life events and circumstances can potentially impact your finances in a number of ways. Believe it or not, you have an estate. In fact, nearly everyone does.

Income protection insurance

Cover for you and your family finances

It’s important to be able to keep your finances healthy as you recover from an illness or injury. Being unable to work can quickly turn your world upside down. No one likes to think that something bad will happen to them, but if you couldn’t work due to a serious illness, how would you manage financially? Could you survive on savings or sick pay from work? If not, you may need some other way to keep paying the bills – and you might want to consider income protection insurance.

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