Journal

Does bias affect your financial security?

Every day we make financial decisions, but you’ve probably spent little time thinking about the thought process that goes on behind each one you make. After all, we’ve evolved to make our decision-making processes quicker and easier. While you may quickly decide whether a purchase is good value for money …

How to protect your pension income during volatility

Pensioners are increasingly taking advantage of the Pension Freedoms introduced in 2015. While the move offered far more flexibility in how you take an income in retirement, it also means there’s more responsibility on your shoulders too. For retirees that have chosen to leave some or all of their pension …

Three things to know about sustainable investment

Are you planning to grow your investment portfolio this year? Are you interested in incorporating your ethics into the decision? More investors are choosing to invest sustainably, but it can seem complex. If it’s something you’re thinking about, we look at three key things to understand before you start moving …

Adviser Spotlight – Mulling over markets

The world, particularly here in the UK, feels like a very messy place at the moment, which is predictably having a short-term impact on investor sentiment towards shares and investing in general. At times like these, many investors (led more by emotion than reason) tend to run for cover or …

What should you know about your pension?

How much do you know about your pension? Do you believe that you’re responsible for your retirement plans? In the UK, around a quarter of individuals feel that their employer, the state or a pension provider is more responsible for their pension than they are, according to a …

How does cashflow modelling help you?

Financial planning can be filled with jargon and it can be difficult to understand exactly how the processes help you and the value it adds to your plans. One of the valuable tools we use is cashflow modelling. It’s a strategy that offers plenty of benefits to clients, so we …

The ins and outs of Flexi-Access Drawdown

Since the introduction of Pension Freedoms, more retirees are choosing to leave their retirement savings invested. But before you decide how to take your pension, understanding the ins and outs of using Flexi-Access Drawdown is important. First up, what exactly is Flexi-Access Drawdown? When you come to take your pension, …
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