I have just read an article suggesting that many people are avoiding taking out life cover with a mortgage to avoid being turned down on affordability grounds by lenders. Surely the world has gone mad! Back in the mists of time when men on bicycles used to prowl the streets [...]
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So far Andrew has created 37 blog entries.
Our recent advertisement on the screens at the David Lloyd fitness centre in Cambridge has got me thinking about where our priorities lie when it comes to paying for things in life. In a recent article in the Telegraph it was suggested that the cost of membership to a high [...]
In a busy budget on 8 July 2015 the government announced a green paper on pension tax relief reforms. The government have asked 8 leading questions, inviting a consultation on how to make pension savings and pension contributions more attractive, to get the UK public engaged in pension saving. With [...]
Pensions and retirement income are synonymous with one another. The first thing most clients will think about when considering their income in retirement will be their pension. But with the new pension freedoms it isn't necessarily the first place they should turn to when deciding where to draw their retirement income [...]
How diversified is your portfolio? With government bond yields close to 3%, the press is awash with comments about an inevitable collapse in bond prices. As a result, many investors have been tempted to forego exposure to government bonds (aka gilts). We would argue that such a strategy could leave [...]
Brain Tumours are the biggest cancer killer of children under the age of 15, most people are not aware of this fact. Our managing director, Andrew, and his family were unlucky enough to have it written in bold and underlined in November 2010 when their son Tom passed away after [...]
Can you turn £100 into £1000? Pupils from secondary schools across North Herts attempted this challenge and succeeded in raising over £10,000 for fantastic causes in the local area. Organised by the North Herts Centre for Voluntary Service, the annual Dragons’ Apprentice Challenge saw teams, partnered with a nominated charity [...]
Do you have a protected lump sum held in a Section 32 buyout bond? Do you have a paid-up pension pot that is protecting a lump sum entitlement of more than 25%? Such schemes are typically known as ‘Buy-out Bonds’ or ‘Section 32 Contracts’ and were historically established when you [...]
What is better than guaranteed income for life? Does your pension plan provide you with an inflation proofed, guaranteed income for life? What about in death? Most defined benefit schemes will provide for a spouses pension but what then? Typically that will be the end of the line. Have you [...]
Maintain your annual allowance to access 25% of your pension fund as a tax free lump sum The government have announced that if pension benefits are drawn after April 2015 the current annual allowance of £40,000 (the amount of pension contribution that will benefit from tax relief) will automatically reduce [...]