Call Richard Cook: 07770 575 122

email: richard@theinvestmentandretirementcoach.co.uk


£1,000,000 cash or £30,000 per year. Which would you choose?

If you have benefits in a final salary pension scheme from a previous employment or are within a few years of your planned retirement that is a decision you will make (with your own relevant numbers) either by default or by having fully researched the alternatives. In the last year I have helped many clients […]

Will pension transfer values fall significantly?

Transfers out of final salary pension schemes have soared over the last couple of years largely on the back of sky high transfer values. Is that about to end? I spotted something last week which certainly got my attention and yet seems to have been missed by most of the press. Tesco, when announcing their annual results, […]

Inheritance Tax – time to take another look

Few people know that death taxes have been with us since 1694. They certainly are not going to go away any time soon so not having a plan makes no sense at all. It is often said that there are only two certainties in life – death and taxes. It is when they both turn […]

Year End Tax Planning

Don’t miss out on great tax planning opportunities because of past bad pension experiences. The 19th March 2018 was the fourth anniversary of the Budget which announced the unexpected and welcome introduction of the “pension freedoms” which have turned the pension world upside down and produced so many tax planning possibilities. Unfortunately prior to that […]

Wipe out your entire higher rate tax bill for 2017/2018 – do you qualify?

It will only take a brief telephone call to find out. This is not tax avoidance. It is well within HMRC rules and perfectly legal. Unfortunately it is not for everyone. For this to work you should be:- Aged between 55 and 75 Paying higher rate tax on earned income or dividends from your business […]

Are you taking enough risks to meet your pension goals?

The answer will depend on how you define “risk”. Unfortunately the financial services industry is fixated on the extent of volatility as a way of defining and measuring risk. In my view the fact that equity type investments (both individual shares and funds) will fluctuate both upwards and downwards is not a risk; it is […]

Do women make better investors than men?

Yes. According to research from Hargreaves Lansdown. This is a great article we can all learn from. I hadn’t thought about it in quite these terms but their conclusions pretty much mirror my own experience with clients, especially since I have been providing guidance on how to get the best results from platforms such as […]

BBC Reality Check – Are pensions on the brink?

3 million pension savers have only a 50% chance of receiving the pension payouts they have been promised. 3,710 pension schemes in deficit. Just two of the shocking statistics from this, must read BBC Reality Check. If you still have benefits in an ex-employers final salary pension scheme you really should read this report. The question […]

More pensions at risk. Will you act before it is too late?

Construction firm Carillion has gone bust with an eye-watering pension deficit of £590 million. That’s a lot of money. What a disaster for their thousands of past employees who could have taken large transfers to their own personal pension and either didn’t know they could or chose not to. Are there lessons to be learnt? […]

FTSE100 hits new high – Time to bank profits?

At the time of writing (5th Jan 2018) the FTSE100 has just reached a new intraday high of 7727.73 having also ended 2017 on a high. The Dow Jones index has also breached the 25,000 level. Who would have thought that with all the Brexit issues and Trump concerns stockmarkets would have finished the year […]

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