All financial transactions have advantages and disadvantages. Never buy a financial product unless you have had the disadvantages clearly explained.
Should you ever take retirement benefits early from your pension plans and in particular take the much loved tax free cash lump sum?
Making a will is an important building block in terms of financial planning. At the very least it helps to ensure that what you want to happen in the event of your death actually does happen.
The difference between need and want is an important part of retirement planning when choosing annuity options. Choices sometimes force you to have to think and consider what you really need, rather than what you might want.
Any one dealing with a Financial Planner will expect them to behave with integrity and honesty. That must surely be a given. I guess they would also want their Financial Planner to be sincere.
It is not unusual for a couple to have both their own residential property and also a buy-to-let property and to have an outstanding mortgage on one or both properties.
A local lady came into see me yesterday for some basic advice about her pensions. Like many people I meet, she started our conversation by pointing out that “I don’t really understand pensions”.
Pension investment funds will, in the main, have fallen in value over the last couple of years. So the challenge for those individuals who are close to retirement is going to be do they take their benefits now or do they defer taking benefits in the hope of further recovery.
Why would someone have two Self Invested Personal Pension (SIPP) plans? A client we met this week did had two.
Can you think of a number of life events that might result in you needing to give some serious thought to financial planning? There are some key things that might happen to you where controlling your finances and putting a planning strategy in place would make real sense.
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- Informed Choice
- Sundial House, 20 High Street, Cranleigh, GU6 8AE
- 01483 274566