An Employers Obligation
Employers are often confused about their obligations when it comes to providing a pension scheme for their staff.
Independent Wealth Management
Call us on 01276 517700 or email advice@professional-wealthcare.co.uk
Independent Wealth Management
Call us on 01276 517700 or email advice@professional-wealthcare.co.uk
Employers are often confused about their obligations when it comes to providing a pension scheme for their staff.
I’m sure we all recognise the obvious need to save money. It’s clearly preferable to make purchases from your own money rather than from borrowed money, especially when the significant cost of loans is understood.
When taking out life cover, cost is inevitably an important consideration. Most people I meet have no idea of how much life cover they can afford. This lack of knowledge generally results in putting off this very important aspect of financial planning.
Many people have invested in with-profits funds over the years. When markets are down, with-profits fund managers often exercise something called a Market value reduction (MVR). This is essentially a penalty for those withdrawing money from the fund. The purpose of an MVR is to reflect the underlying fall in values and to protect those […]
Proponents of passive funds argue that that most fund managers underperform the index. Their seemingly logical conclusion is that a fund that simply tracks the index is a good way to invest and offers equity returns at low cost.
Most of us know that ISAs are an excellent and tax efficient way of accumulating wealth. During retirement, ISAs are also very useful for providing a tax efficient income to supplement your pension income. Approaching retirement, growth funds can be switched to income yielding funds, which could also be lower risk funds. Your accumulated ISA […]
How Much Tax Free Cash can you take from your pension?
The usual answer to this question is 25%. However, how would you like two bites of the cherry?
If you are age 55 or over, you can withdraw up to 25% of your pension fund tax free. However, it is important to carefully consider how best to achieve this. Traditionally, a pension fund remains until the planholder decides to retire. At that time, he or she would purchase an annuity and probably withdraw […]
The following is the story of Howard Tighe, who had a stroke in 2004. Howard had a protection plan with Bright Grey, who have provided this video.
Sometimes a plan comes along with something extra to offer. A good example of this is AXA’s Critical Illness Cover plan. Critical illness cover provides a lump sum payment in the event of certain serious illnesses, such as cancer, heart attack, stroke and many others.
Barry truly lives up to his company’s name as he is a real professional. He offers great, unbiased advice and puts the needs of his clients before anything else. Whereas many so-called ‘Independent’ financial advisors seem to offer products and services based primarily on how much commission they’re likely to receive, Barry offers solutions that will ensure that your investments actually work for you.
David Goodman
