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Gender gap in retirement savings

Women say they will have £100,000 less in retirement than men For women, the salary gap they face during their careers eventually turns into a retirement savings gap. While our country has come a long way on gender equality, the pay gap remains a prominent issue. It’s felt in many aspects of women’s lives, most significantly in retirement savings. Women are saving less than men for their retirement, with only 15% saving for the future …

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‘Presenteeism’ more of a problem than absenteeism

Nine out of ten employees continue to work even while being ill Feeling ill? Well, staying at home would seem to be a sensible course of action. However, for many, going to work while sick has become the norm. Employers are seeing more staff turning up to work while ill, according to a new survey[1]. The problem of presenteeism has seen an increase of three times as many people working while ill than ‘taking a …

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Money Lessons

5 tips that add up to teaching your child about money matters Understanding how money works is an essential life skill. Unfortunately, for a lot of people, these lessons come later than they should, and often as the result of something going terribly wrong. Not enough people make financial education a priority for children, which results in young adults entering a surprisingly complex financial world without the tools necessary to survive and thrive. Even if …

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Different life events

Solutions that work as your priorities change over the years The future may seem far away, but you need to start planning early. Regardless of your goals, there are things you can do to increase your chances of success! We look objectively at your plans to provide solutions that work as your priorities change over the years and you go through different life events. Many of us have got things in mind we’d like to …

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Guide to the Autumn Budget 2018

Download Now » Philip Hammond, the Chancellor of the Exchequer, delivered his third Budget to Parliament on 29 October 2018 and what should be the last one before Brexit in March next year. What should you take away from this year’s Chancellor’s Autumn Budget 2018? Mr Hammond opened the Budget by declaring it was aimed at hard-working families, ‘the strivers, the grafters and the carers’, and would pave the way for a ‘brighter future’. He …

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A Guide to New Tax Year Planning 2018/19

The key changes to existing policies and newly introduced initiatives Now that we’ve entered the 2018/19 tax year, a number of key changes have taken place to existing policies, along with some newly introduced initiatives. It’s important to consider these tax implications when making financial decisions. To help you navigate your way through the main changes that could have an impact on your financial situation, we’ve provided a summary of the main 2018/19 tax year …

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Financial freedom

Deciding what to do with pension savings – even if you’re still working It might seem like a far off prospect but knowing how you can access your pension pot can help you understand how best to build for the future you want when you retire. On 6 April 2015, the Government introduced major changes to people’s defined contribution (DC) private pensions. Once you reach the age of 55 years, you now have much more …

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Retirement rewards

Common planning mistakes lead to an opaque future With increasing life expectancy and rising cost of living, the need to plan for one’s golden years is essential. Although retirement is one of the most distant financial goals, it is in our own interest not to ignore it. And almost three quarters (73%) of people aged 45 or over are longing for the day when their life is no longer confined by their working routine, according …

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Tips to minimise the tax you pay

Have you utilised all your year-end tax planning deadline opportunities? As we near the 2017/18 tax year end on 5 April, if appropriate to your particular situation, we’ve provided some tax planning tips to help you maximise the use of your various tax allowances and minimise the tax you pay. We take a personal approach to your tax needs. Informed by our detailed knowledge of your affairs, we explore some of the best options which …

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Financial freedom

Creating and maintaining the right investment strategy Our life is an endless series of daily choices, and how we manage those choices determines the outcome of our life. We all want financial freedom, but how will we achieve it? Financial goal-setting is the key to building wealth. There are always going to be bumps in the road on every journey, which is why it’s essential to be flexible enough to adjust your plans when the …

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