Understanding sequence of returns risk

Come 6 April 2015, anyone over the age of 55 can withdraw as much or as little income as they like from their accumulated pension savings. Therefore, when it comes to using your pension fund to provide an income, although an annuity (an insurance product which provides a guaranteed income for life) will still be the right choice for many, it’s expected that an increasing number of people will be attracted to income drawdown. Read More

Pension wealth – keeping it in the family

All the pension changes announced throughout this year are starting to make pensions look like a natural choice not only for retirement provision, but also for estate planning. Read More

Financial Planning: Budget 2014

George Osborne delivered Budget 2014 to Parliament on 19 March. He unveiled several measures aimed at “makers, doers and savers”. With a whole host of changes announced in the pensions and savings landscape, there is certainly an awful lot of information for financial planners to get their teeth into! Read More