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Are pensions being cascaded through the generations?

It’s been four years since the landscape changed on pensions, with the introduction of the ‘pension freedoms’ for those with defined contribution (or money purchase plans) and a recent report from HMRC states that over £17bn has been withdrawn from pension funds since 2015.

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I have made a will so why do I need a Power of Attorney?

Many people take the time and trouble to make a will, so that their estate is distributed in accordance with their wishes when they die, but far fewer set up a Power of Attorney (POA) arrangement.

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Pension default funds

The House of Commons Work and Pensions Select Committee have recently released a report on its enquiry into the pension freedoms which were introduced three years ago and proposes the introduction of what it calls a new, simple, standard drawdown pension.

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Are Charities missing out?

One of the main purposes of a charity is to raise money to support its specific cause, but surprisingly, up to 85% of UK charities are missing out on funds which could help them progress and carry out more of their vital work.

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How would your family cope?

The way we live today has changed from how our parents or grandparents lived in a multitude of ways, with statistics showing that more people are renting and fewer are getting married.

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Divorce, re-marriage and your pension

When your personal circumstances change, updating your pension schemes may not be high on your list of priorities, yet a growing number of people may unwittingly be leaving their pensions to an ex-partner on their death.

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How much money do you need to be able to retire?

A question I commonly receive as a financial adviser is ‘how much do you need in a pension to be able to retire?’

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Auto Enrolment - don’t forget the increase in minimum contributions

Under Auto Enrolment legislation, as an employer you have a legal obligation to ensure that both you and your staff pay into a pension scheme, but many employers and employees alike may be unaware that the minimum contribution levels increased from 6 April.

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Scottish residents and pensions

The new Scottish Income Tax rates and bands came into effect on 6 April 2018 which we briefly covered in a previous article here: http://www.armstrongwatsonfp.co.uk/news/2017/12/tax-issues-for-scottish

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Who wants to be an ISA millionaire?

Following the one-off edition of the popular quiz show ‘Who wants to be a millionaire’ on our TV screens, how do you become an ISA millionaire?

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