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Young people & State pension reform
If you are a young person, you are likely to be hardest hit by proposed State pension reforms. That is […]
Julia Docker
Jul 11, 20132 min read


Getting tough on the pension fraudsters
The regulator and tax man are both getting tougher with the pension fraudsters who offer a service designed to ‘liberate’ […]
Julia Docker
Jul 1, 20131 min read


Will you still be rocking at 69?
Those who witnessed the ‘swagger of Jagger’ at Glastonbury on Saturday evening were generally impressed or experienced an overwhelming sense […]
Julia Docker
Jul 1, 20132 min read


Pensioners face rising living costs
New research from the Joseph Rowntree Foundation has found that pensioners have been badly affected by rising living costs. They […]
Julia Docker
Jun 28, 20132 min read


Joining the ranks of the silver slugger
Apparently there are now over 1 million people over the age of 65 still working. Leaving aside the fact that […]
Julia Docker
Jun 14, 20131 min read


Protecting your pension fund when the lifetime allowance is cut
The lifetime allowance for pensions is being cut from £1.5m to £1.25m on 6th April 2014. With this cut comes […]
Julia Docker
Jun 11, 20132 min read


Annuity rates down 29%, pension funds up 63%
The real cost of quantitative easing for those reaching retirement has been calculated as a 29% drop in income, according […]
Julia Docker
Jun 10, 20132 min read


I don’t want to be poor
I recall the saying “I’ve been rich and I’ve been poor, rich is better” but I had to do a […]
Julia Docker
May 24, 20132 min read


The Value of a Light Bulb Moment
One of the delights of the job that I do is witnessing the ‘light bulb moment’. This is when I […]
Julia Docker
May 24, 20131 min read


Clock ticking on later life planning
New research from NS&I has found that just under a third of Britain’s adults (31%) do not know how they […]
Julia Docker
May 20, 20132 min read


Retirement is bad for your health
According to a new study from the Institute of Economic Affairs, retirement is bad for your health. The study found […]
Julia Docker
May 16, 20132 min read


How to scam proof your pension fund
UK pension plans are governed by a wide range of HMRC rules about contributions, tax treatment and benefits. One of […]
Julia Docker
May 13, 20132 min read


When it becomes just a little too much
I had a great meeting yesterday with a new client. Some time ago he had made the sensible move to […]
Julia Docker
May 9, 20132 min read


Did Sir Alex defer his State Pension?
Sir Alex Ferguson, Britain’s most successful football manager, has announced his retirement this morning at 71 years old. As Manchester […]
Julia Docker
May 8, 20132 min read


Can you afford to lose half of your pension?
The Pensions Ombudsman recently ruled in favour of a personal pension provider (Virgin Money) who deducted an “unauthorised member payment” […]
Julia Docker
May 7, 20131 min read


Who should pay for pension advice?
MPs are apparently calling on Steve Webb the Pensions Minister to ban consultancy charging. This is a practice where the […]
Julia Docker
Apr 26, 20132 min read


Having a retirement goal
If you retired today, how much income would you need in order to to have the lifestyle that you want […]
Julia Docker
Apr 26, 20132 min read


It pays to do your homework
Like many Financial Planners I want to make sure that when I describe a possible course of action to my […]
Julia Docker
Apr 19, 20132 min read


Smaller pension income & higher tax-free cash?
I had a very interesting conversation yesterday afternoon about commuting pension income for tax-free cash. The lady in question had […]
Julia Docker
Apr 17, 20132 min read


More poor service from dinosaur Aviva
Yesterday I wrote about the poor service of a couple of providers, AVIVA and Capita. Today the former seem to […]
Julia Docker
Apr 4, 20131 min read
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