More couples are deciding to part later in life

Divorce is not purely exclusive to the young or middle-aged, and we’re seeing a steady increase in what have been dubbed the ‘silver-splitters’ – couples who are deciding to part in later life.

Are investors failing to think long-term about their futures?

Boosting retirement saving is the key goal for investors in 2014, yet despite this long-term objective, almost three fifths (61%) of those surveyed say they are looking for satisfactory investment returns within just five years, with just 5% taking a longer-term view of ten years or more.

Adapting to changes in working patterns

More than half of over-55s currently in the workforce are happy to work past the default retirement age of 65, according to new research from MetLife[1].

The reality of living on a pension is taking new retirees by surprise

The reality of living on a pension is taking new retirees by surprise, with many under-budgeting their first five years of retirement and overspending by an average of £6,500, according to LV=. This is leading to a surge in older retirees taking out new credit or extending previous credit commitments.

More than twice as many men choose the highest possible risk option to boost their savings compared to women

Findings recently published in the Zurich Wealth Risk Report show that more than twice as many men choose the highest possible risk option to boost their savings compared to women (13% vs 6%)[1].

Preparing for the arrival of your first baby

First-time UK parents spend more than £492 million[1] each year preparing for the arrival of their first baby, according to research from Aviva. This equates to £1,619 per family and shows a 17% increase to the £1,389 total in March 2012[1].

Focused on managing costs

We’re becoming increasingly good when it comes to cost cutting, according to the latest findings of an annual online survey from long-term savings and investment specialist Standard Life by YouGov PLC.

Taking on the risk of managing your own pension

New research[1] from MGM Advantage shows the risk people are willing to take managing their own pension savings. 28% of the over-55s said they were not comfortable taking on the risk of managing their own pensions to provide a suitable income throughout retirement.

Peace of mind for a lifelong secure regular income

A huge reform of the defined contribution pension system (as opposed to workplace final salary schemes) announced in Budget 2014 means that under the proposals, from next year, millions of people reaching retirement age will be able to spend their pension pot in any way they want.

Sheltering up to £11,520 tax-efficiently means taking action NOW

Time is running out if you want to make the most of this year’s Individual Savings Account (ISA) allowance, so you’ll need to get your skates on.

Expert, flexible approach to accumulating and managing wealth We provide clients with an expert, flexible approach to accumulating and managing their wealth. Understanding your financial circumstances is crucial in making sure we tailor the right investment solutions for you. Regardless of what stage of life you’re in, we can help you to protect and grow your wealth.

Looking for an alternative to buying an annuity?

When you want to access your pension pot, you have several choices. The right choice for you will depend on a number of different elements, such as your tax position, whether you have a partner, your attitude to risk and even your health.

Funding a potential Inheritance Tax liability

After taking the appropriate steps to put in place an Inheritance Tax planning strategy, if there is still the potential likelihood of a liability on your estate or if you have made gifts which have created a potential liability for the recipients if you die within seven years, we can help you review how you could fund this liability in the most efficient way.

Managing wealth

We can advise you on a range of different trust solutions, each designed with a particular purpose in mind.

Helping you control and protect your assets

One of the most effective ways you can manage your estate planning is through setting up a trust. The structures into which you can transfer your assets can have lasting consequences for you and your family, so it is important that you obtain professional advice as the right structures can protect assets and give your family lasting benefits.