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Call Richard Cook: 07770 575 122

email: richard@theinvestmentandretirementcoach.co.uk

Retirement planning

Quarter of women waive pension rights on divorce

That is just not right – but what can be done about it? Divorce is such an emotional time and people have so much to think about that they just can’t focus on pensions or for that matter other financial issues. Legal advice is already expensive and adding financial adviser fees to the mix is […]

6 Tips to keep your pension planning on point for 2021

New Year Resolutions? What better time to have a look at your pension planning and see how well you are doing particularly after all the 2020 Covid issues?  Give yourself a mark out of 10 on each of the following points. 7 or more and you are doing ok but could still improve. Less than 7 […]

Coronavirus- five huge pension mistakes to avoid

Are you thinking that your pension plan may provide a solution to temporary financial problems caused by Coronavirus? You may be right but there are some huge mistakes to be avoided and it may be worthwhile taking some advice/guidance before taking action. 5 Huge Mistakes To Avoid. 1. If you are over 55 most pension […]

£500 Cash-back offer – pension transfers. Don’t miss out.

Don’t you hate having to keep track of all those old pension plans? Now is the time to do something about consolidating them into one, modern, online, user-friendly plan. Until 10th January 2021, Hargreaves Lansdown is offering cashback of up to £500 as an incentive to transfer all those old plans to their award-winning Self […]

Don’t you hate having to keep track of all those old pension plans?

And do you know what charges are being deducted and whether the underlying investments are performing well? Even more annoying is that the adviser who set up the plan many years ago could still be receiving commission which is being deducted from your plan. But it is not all bad news. Since 2017 early exit […]

Pension Pot

How much is it safe to withdraw from your pension pot?

One of the biggest challenges, when the time comes for us to make this decision (age 55 onwards), is the lack of an easy “rule of thumb” to provide guidance. The benchmark most used by advisers is the “4% rule”. That suggests that withdrawals of 4% per annum are, on average, likely to be sustainable […]

Millions leave their retirement planning to the “last minute”. Is that you?

What that means is that millions are facing a retirement full of doubt and uncertainty rather than confidence. Of course the earlier you start planning for retirement the better, but even when you are in your 50’s, paying attention, getting some advice/guidance, and consolidating old pension plans can have a dramatic impact on retirement lifestyles. […]

Wealth Shortlist

Hargreaves Lansdown. Wealth Shortlist – Update

When the Wealth 50 list was replaced by the Wealth Shortlist approx 20 new funds were introduced. Many of those were in Sectors not popular with my clients but some of the new funds are worthy of serious consideration. In some cases, my research indicates that the new fund(s) may be a better alternative to […]

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Summer Economic Update. Good news but who is going to pay for it?

Taxing the much loved 25% pension commencement lump sum may well be in the Chancellor’s sights. Job schemes, stamp changes, VAT reductions – all good news about spending and stimulus but how is it going to be paid for?  Let’s enjoy our moment in the sun but make sure we are well prepared when the […]

Are you ready to rethink your retirement plans?

The Coronavirus pandemic has forced a widespread rethink of retirement plans according to an Aegon survey, particularly for the over 55 age group, the self- employed, and those already drawing from their pension funds. The Pension Freedoms introduced in 2015 have really come into their own with 20% of those over 55 dipping into or […]

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