How much of your retirement savings can you afford to lose?
Investment risk and potential investment returns are closely linked to each other. The more risk you take, the higher the...
Four Years of Pension Freedoms
On 6th April 2015, George Osborne announced that “no one will have to buy an annuity” came into law, and...
Retirement income increase needs government intervention
Academic studies have identified that the ‘safe withdrawal rate’ for a retirement portfolio in the UK is approximately 3%. This...
Giving Notice of your Retirement
One of my clients was contemplating her retirement when we met last week. “When do I need to tell my...
State pension deferral – a good idea?
If you were born shortly after 6th January 1954, you would be entitled to your state pension from 6th May...
Tax Year End Retirement Income Planning
At this time of year, we are bombarded by reminders that the end of the tax year is coming. You...
What Does Retirement Actually Mean?
I’ve always been interested in the origin of words and phrases. “Going pear-shaped” was originally a description of a poorly...
Why we don’t (always) like annuities
"It's not fair" is a phrase you will know all too well if you have children or grandchildren! But, whilst...
Are you Driving a Gas Guzzler Down the Wrong Side of the Motorway?
Another title for this blog post could be, why the 4% rule is unlikely to be right for you in...
Cognitive decline increases the need for a Financial Planner
There are many economic milestones in life – buying your home, paying off your mortgage, leaving employment – which take...