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People value good health yet over 89% of the UK population does not currently have any form of private medical insurance [1]. Private...

Critical illness insurance pays out a lump sum on diagnosis of an insured critical illness. It typically covers: heart attack, cancer and...

In 2015, the retirement rules were rewritten. The rules, which came into effect from 6 April 2015, have changed the way people take money...

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...

The questions our clients almost always ask us are: ‘Will I be able to retire when I want to? Will I run out of money? How can I...

Portfolio diversification is the foundational concept of investing. It’s a risk management strategy of combining a variety of assets to...

A lasting power of attorney (LPA) enables individuals to take control of decisions that affect them, even in the event that they can’t...

You can normally withdraw up to a quarter (25%) of your pot as a one-off tax-free lump sum, then convert the rest into a taxable income...

The good news is that the number of people saving enough for a comfortable retirement has hit its highest ever level, with almost three...

Don’t let scammers enjoy your hard-earned pension proceeds. Anyone can be the victim of a pension scam, no matter how savvy they think...

With a defined contribution pension, you build up a pot of money that you can then use to provide an income in retirement. Unlike defined...

Under the pension freedoms rules introduced in April 2015, once you reach the age of 55, you can now take your entire pension pot as cash...

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...

Whole-of-life policies tend to offer the policyholder lifelong protection and are designed to give you a specified amount of cover for...

In this post we set out the main tax changes that apply to the 2019/20 tax year, which commenced on 6 April 2019. Reviewing your tax...

Unadvised retirees who are now able to dip into their pension are having to return to work to cope with juggling their finances,...

Saving for retirement is one of our greatest financial priorities, especially as life expectancy is growing and retirements are likely to...

Whether you have earned your wealth, inherited it or made shrewd investments, you will want to ensure that as little of it as possible...

The lifestyle of our loved ones may be seriously compromised if we die. However, very worryingly, more than 2.4 million cohabiting...

Over three million working couples are classed as 'double income, no option' (DINOs), which means they are potentially financially...