We recently held our first annual Flying Colours National Conference. This was a great opportunity to unite our regional IFA and support teams for the very first time under the same roof.
Retirement can be the best time of your life - you’ve worked long and hard, perhaps had kids, and now you can turn your full attention to whatever you like.
The pensions world is in crisis, partly because of changing regulations, partly because of bad management, but mainly because we’re all living longer – and we all need more money to keep us going through our longer retirements.
Whether it’s to invest in the house, the family, or that sports car you’ve always dreamed of, accessing the entirety of your tax-free Pension Commencement Lump Sum (PCLS) in one go can be a tempting option.
We've been speaking to lots of our clients about ISAs recently. With the tax-year end deadline (April 5th) looming, it's around now that many people check to see if they can maximise the amount they contribute to these extremely tax-efficient products. That's because if you don't use your personal ISA allowance by the end of each tax year - you lose it. And nobody likes to miss out on the opportunity to reduce their tax bill!
Planning for your retirement can be tough. The state retirement age keeps changing, the Government can’t make its mind up whether it wants you to invest in a Workplace Pension, Lifetime ISA or a SIPP and nobody can tell you how much you need for a comfortable older age.
How to make sure there’s still money when you need it most.
In this article you’ll learn:
- Why lifetime wealth planning is an important strategy to adopt.
- Five ‘pensions and investments 101’ tips for prudent wealth planning.