Pensions

What happens to your pension when you die

If you have a defined contribution pension, your pension can be passed on to any named beneficiary free of inheritance tax when you die. Ultimately what happens to your pension...

5 Of The Best Pension Lump Sum Tax Calculators

If you’re planning on taking a lump sum from your pension, it is important to understand the tax implications of doing so, especially if you’re accessing your pension at 55...

How can I avoid paying tax on my pension UK?

Let’s face it: no one enjoys paying tax. Fortunately, there are several legitimate ways to avoid paying tax on your pension (without stepping into tax avoidance territory).  Ultimately, these come...

How much can i drawdown from my pension pot?

So, you’re considering drawing down from your pension pot, but you aren’t sure how much you can (and should!) take? It’s important to understand the rules around pension drawdown as...

Can I cash in a drawdown pension?

You’re about to turn 55. On your right is a teetering tower of mortgage repayments, debt and “oh but can’t we just run away to the Maldives?”, and on the...

How to choose a Financial Advisor

An Independent Financial Advisor should be looking after your money for both the short and long-term. It's a relationship that could span decades, so you want to be sure you're...

Can I take my private pension and still work?

One of the questions we’re asked most often when we’re helping customers with their retirement planning is Can I take my private pension and still work? The good news is you...

How Much Should I Invest in My Pension? (+ At What Age)

You’re young. You’ve finally started earning money. You want to spend it while exploring the world. A pension couldn’t be further out of your mind. Or, perhaps you’re worried you...

Pension Drawdown Before Retirement

If you’re considering pension drawdown before retirement you’re not alone. Figures from the Financial Conduct Authority showed a 10% rise in people choosing to access their pension early since between 2017/8 and...

Do I Need a Financial Advisor for My Pension?

The increased choice and flexibility for accessing your pension in the UK has brought with it added responsibility and risk. Many people are now also questioning whether they need a...

Money Purchase Annual Allowance – a complete guide

With the introduction of the pension freedoms in 2015, you can now access tax-free cash from your pension at 55. You can also start to flexibly access your pension with...

What is a Pension Sharing Order?

If you’re getting divorced it is likely you’ll be deciding how to split your shared assets. In the UK pensions are usually your most valuable asset (yes, normally worth even...

Can I take my pension at 55 and still work?

One of the questions we’re asked most often when we’re helping customers with their retirement planning is Can I take my pension at 55 and still work? Under current rules, It...

Pension Lump Sum – A complete guide

If you’re planning your retirement, you might have heard of the pension freedoms that allow you to access a tax-free lump sum from your pension at 55. But did you...