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Lifetime Allowance changes and the new Pension Allowances that replaced it
The government announced that it would be abolishing Lifetime Allowance (LTA) in March 2023 with changes effective of 6 April 2024. However, the removal of LTA has not meant people...
Why are pension transfer values falling?
In April 2025, defined benefit (DB) pension transfer values hit some of the lowest average levels in nearly a decade — almost 50% lower than the record highs of December...
Understanding Pension Transfer Values in 2025: What Affects Them and What You Need to Know
If you're thinking about transferring your defined benefit (DB) pension, one of the first things you'll look at is your transfer value — the lump sum your scheme offers if...
Guide to pension drawdown in 2023
Pension drawdown, like any long-term financial planning and management, is a complex subject, freight with potential risk, and with more people opting to enter pension drawdown; clear guidance is needed....
Recommended retirement savings by age
Typically a comfortable retirement is one that allows you to maintain your pre-retirement lifestyle in retirement, so an expert study has set out recommended retirement savings by age based on...
What is the Pension Protection Fund?
If you’re a member of a defined benefit pension scheme, you might be worried about what happens to your pension if your scheme or employer goes bust. The good news...
Defined benefit pension transfer timescales 2025
Defined Benefit Pension transfer is not a quick process. And Defined benefit pension transfer timescales have increased massively in the past few months. Historically, it could take around 6 months...
Freebies & discounts for the over 60s | Retirement discounts
You might still be a few years off the state pension age, but if you’ve just turned 60 you could be taking advantage of some fabulous discounts and freebies. You don’t...
Defined Benefit Transfer Warning Flags Explained
Defined Benefit Transfer Warning Flags Explained Transfer Warning Flags can be raised by Defined Benefit pension scheme administrators as part of enhanced safeguarding checks for transfers. Find out what they...
How to budget for retirement
Outlining a budget for retirement is one of the first steps in retirement planning. Without it, it's impossible to know how much you need to save for the lifestyle you...
Are you saving enough for retirement?
Worryingly, research has shown that 90% of all defined contribution pension savers aren’t saving enough to enjoy a comfortable retirement. And since a large majority of us Brits have defined...
Lifestyle Planning: create your dream retirement
A huge amount of retirement planning is based around saving for retirement, building that all-important pension point and then, eventually, working out how much is safe to draw down from...