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By Armstrong Watson

12th June 2023

How a cash flow model can help you plan for retirement

Having a cash flow model can help you make well-informed decisions about your retirement, not to mention give you the confidence to retire.

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By Emma Copley

25th May 2023

What type of pension do you have?

There are many different types of pension that you might come across, but the majority typically fall into one of these; Defined Contribution (DC), or Defined Benefit (DB). It’s worth understanding the basics of how these work, as it will have an impact on the options available to you, as well as how you plan to access your retirement benefits when you are ready to retire. 

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teacher reading to children

By Steve Shovlin

3rd April 2023

Yes, you can retire from being a teacher

Can a teacher retire before retirement age?

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By Justin Rourke

15th March 2023

Spring Budget 2023: Changes to Pension Savings Allowances

In the run-up to a budget there is always speculation around tax relief on contributions, tax-free cash from pension pots and the age you can access your pension. In this budget, it came as a big surprise that none of this really featured but instead there were changes for those wanting to save for retirement.

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Locks for pensions

By Martyn Pottage

20th January 2023

The Triple Lock State Pension – what does it mean for pensioners?

The ‘triple lock’ was introduced in 2010 and its purpose is to ensure that state pension benefits rise by the highest measure of price inflation (CPI), earnings growth or 2.5%.  

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By Stuart Smith

4th January 2023

How do I plan for retirement?

The key is to try and get a picture of what your retirement might look like. From the outset, it is important to understand what level of income you will require after tax in today’s terms, or looking at it from another angle, what your outgoings will be

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By Armstrong Watson

4th January 2023

Win-Win for employers & employees

It's well known that emotional and financial wellbeing are connected. Difficult financial situations can lead to feelings of stress, worry, and sleepless nights, and have a negative impact on performance at work.

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By Graham Poles

17th November 2022

Autumn Statement 2022 - Personal Taxes and Fiscal Drag

As expected, the Chancellor did not make changes to the rates of income tax, national insurance, inheritance tax or capital gains tax (CGT), but what he did do is freeze the threshold on each one of these except CGT, meaning the rates everyone is paying today will be the same rates that will apply after April next year.

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By Kerry Chaloner

22nd August 2022

Can pensions be a tax-efficient way of passing on your wealth?

Pension legislation dramatically changed back in 2015. Gone are the days where your pension savings automatically die with you or your spouse/civil partner.

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By Amanda Heys

9th August 2022

Building a secure financial future: The importance of early pension savings for younger workers

Many younger people now rely on the bank of Mum and Dad to help get them on the housing ladder. As well as being a useful source of funds, they may also have some important life lessons to impart when it comes to saving towards a more secure financial future.

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