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Older workers delaying retirement to release cash from their savings

One in four older workers could delay retirement after dipping into their pension pot, new research from Zurich shows. (more…)

If you couldn’t work due to a serious illness, how would you manage?

No one likes to think that something bad will happen to them. If you couldn’t work due to a serious illness, how would you manage? 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. Currently, 10.8 million UK households are at risk of their income falling by at least a third if the main earner stopped working due to ill health[1]. (more…)

UK parents believe university is now unaffordable for most

Many UK parents will now be reviewing how they will help their children pay for a university degree. With tuition fees alone costing an average £9,000 a year, university is a significant investment for both parents and students. (more…)

Control over your assets for the benefit of one or more people

Putting your savings, investments, life policies or assets into a trust can play an important part in estate planning. A trust is a legal entity that has control over assets for the benefit of one or more people, and there are different types of trust which can be set up according to what you intend to achieve. (more…)

Passing your estate to the people that matter to you in the most effective way

The term ‘estate planning’ can be defined as passing your estate to the people that matter to you in the most effective way. In order to protect the future wealth of your family and loved ones, it is essential to have provisions in place after you’re gone, and one of the simplest ways to prevent unnecessary tax payments such as Inheritance Tax is to organise your tax affairs by obtaining professional advice and having a valid Will in place to ensure that your legacy does not involve just leaving a large Inheritance Tax bill for your loved ones. (more…)