We work hard to keep our clients up to date on the latest knowledge and cases, not just legal information
State pension
26 Jun 2019
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Freetirees
19 Jun 2019
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Freetirees
Pension freedoms usher in a new generation
The introduction of pension freedoms has been a huge enabler for over-55s, allowing millions to draw income from their pensions flexibly. Pension freedoms offer the opportunity to transition into retirement by continuing to work with reduced hours beyond traditional retirement age.
Retirement options
03 Apr 2019
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Retirement options
Greater responsibility on individuals to plan for financial security in old age
Deciding what to do with your pension pot is one of the most important decisions you will ever make for your future. The ‘pension freedom’ changes of April 2015 represented a complete shake-up of the UK’s pensions system, giving people much more control over their pension savings than before.
Sieze the Day
20 Mar 2019
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Sieze the Day
Planning for a comfortable life after years of hard work
Over time, with life expectancy and the cost of living rising, it could mean that some retirees are at risk of running out of pension income in later life. So what can you do to make sure that you have a big enough pension to meet your needs for the whole of your retirement?
Pension unlocking
24 Jan 2019
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Pension unlocking
Treasury enjoying a tax bonanza from pension withdrawals
Following changes introduced in April 2015, you now have more choice and flexibility than ever before over how and when you can take money from your pension pot.
Relationship breakdowns
04 Dec 2018
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Relationship breakdowns
A pension could well be the biggest single asset in the relationship
What is likely to be a divorcing couple’s most valuable asset? The family home will spring to most people’s minds first. But the value of a pension could well be the biggest single asset in the relationship.
Cash may not be king
24 Sep 2018
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Cash may not be king
Pension savers risk a significant tax bill
For most people over the age of 55, it is now possible to cash in or unlock all of your pension. How you take these benefits will depend on the type of scheme you have and how you want to take benefits. But concerns have been raised that some savers may risk running out of cash if they siphon too much out of their pension pots.
Averting a later-life financial crisis
23 Jul 2018
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Averting a later-life financial crisis
More retirees drawing pensions without LPAs
People are generally living longer these days. Increasingly, more people are living well into their 80s and 90s – and some even longer. This may mean you have a long time to budget for. That’s why it is very important to consider all of your options carefully and think about what will matter to you in retirement.
Eyes wide shut
16 Jul 2018
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Eyes wide shut
Do you know the value of your pension savings?
With people living longer than ever before, we all need to save more. But because there’s always something more urgent to pay or save for, it’s something that many of us rarely think about.
Your money, your choice
16 May 2018
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Your money, your choice
Supporting your future financial requirements
You can pay into as many pension schemes as you want; it depends on how much money you can set aside. There are several different types of private pension to choose from, but in light of recent government changes the tax aspects can require careful planning. So what do you need to consider?
Building up a substantial pension pot