For today’s retirees, sequence risk (also known as Pound Cost Ravaging) has become essential. We rely more heavily than previous […]

One of the most significant risks to a successful retirement is underestimating your expenditure. Get this wrong, and you could […]

The received wisdom in financial planning is that you should make sure that your income in retirement is more than […]

Technology is disrupting everything, it seems, with every day bringing change to something that feels like it’s always been the […]

Care in later life can be expensive. It’s not unusual for care homes in our region to charge £5,000 per […]

The concept of financial independence is closely associated with retirement; after all, if you aren’t financially independent, you probably won’t […]

Everybody understands the importance of literacy, but risk literacy is a concept that is becoming important in Financial Planning. Risk […]

If you have a pension plan, you will have chosen a “retirement date” when you joined the scheme, or you […]

Financial Planners often talk about your “investment horizon” as a way of describing how long you plan to hold your […]

These are the wise words of Mike Tyson, former world heavyweight boxing champion. It’s not his most famous quote, and […]

The tax-free lump sum has always been a part of the pension landscape. I worried that its tax-free status was […]

In last week’s post, I set out what factors influence your capacity for loss for retirement income: -how much money […]

Investment risk and potential investment returns are closely linked to each other. The more risk you take, the higher the […]

On 6th April 2015, George Osborne announced that “no one will have to buy an annuity” came into law, and […]

Academic studies have identified that the ‘safe withdrawal rate’ for a retirement portfolio in the UK is approximately 3%. This […]

One of my clients was contemplating her retirement when we met last week. “When do I need to tell my […]

If you were born shortly after 6th January 1954, you would be entitled to your state pension from 6th May […]

At this time of year, we are bombarded by reminders that the end of the tax year is coming. You […]

I’ve always been interested in the origin of words and phrases. “Going pear-shaped” was originally a description of a poorly […]

“It’s not fair” is a phrase you will know all too well if you have children or grandchildren! But, whilst […]