Posted on October 31, 2014 by admin - News, Protection
It’s a fact THAT more of us will require specialist care in our later years
Today, the cost of care is a major concern for many people, with the average level of pension savings unlikely to be enough to cover any long-term care requirements in addition to providing a retirement income. (more…)
Posted on October 31, 2014 by admin - News, Protection
The numbers show a significant protection gap exists for families in the UK
W e all want to safeguard our family’s lifestyle in case the worst should happen. But only a quarter (24%) of adults in the UK with children under 16 have any form of financial protection, a significant drop from 31% in 2013, according to the latest research from the Scottish Widows Protection Report. With over half (54%) of this group admitting that their savings would last just a couple of months if they were unable to work, a significant protection gap exists for families in the UK. (more…)
Posted on September 2, 2014 by admin - News, Protection
UK couples are spending more than £44,000 on average when they divorce or separate
Achieving a fair resolution of all the financial issues surrounding divorce or the dissolution of a registered civil partnership can be highly stressful. Alongside wanting to resolve these effectively and affordably you may also be worrying about how you will achieve the fairest division of your family assets, how to deal with any requirements for continuing support or perhaps even how you will manage to make ends meet in the future. (more…)
Posted on September 2, 2014 by admin - News, Protection, Retirement
Diversifying your assets helps spread risk by lessening the potential for losses
Most investors are used to hearing the term ‘diversification’ – but it has a broader meaning than many realise. Diversification is the process of investing in areas that have little or no relation to each other. This is called a ‘low correlation’. (more…)
Posted on September 2, 2014 by admin - News, Protection, Retirement
How to UNLOCK your assets from unnecessary tax
£325,000
The first £325,000 value of your estate is called the ‘Nil Rate Band’ because although it is taxable to Inheritance Tax (IHT), it is taxed at 0% (tax year 2014/15). (more…)