Just weeks ago the guys over at The FM Report asked us for a little advice to help those who have for whatever reason failed to tackle their financials until later in life. We were pleased by this request and delighted to provide our input. Our senior financial advisor, Jo Ryan, put pen to paper…
‘Firsts’, they’re so nerve-wracking, especially when it comes to parting with money and going for your first financial investment. But no matter where you are in the world, the concept of ‘investing’ is the same. It starts out with the same questions: What is your attitude to risk? What is your long-term financial goal for…
Should you pay off your mortgage early with excess cash? Any answer given to this question, without knowing the specifics of your mortgage, corresponding interest rate or term and personal financial circumstances, should only ever be read in terms of high level information. It is not a ‘one-size-fits-all’ answer. Always look for advice from your…
There’s only one thing that’s certain in life and that one thing is the reason for Life Insurance. Life insurance is our form of protection for the unforeseen events that can be just around the corner. In the event of serious illness or death, life insurance covers future costs for our dependents, such as college…
Years ago, our parents and their parents secured one job when they left school and stayed with that role for the entirety of their employment lifetime. Today, it’s almost mandatory to bounce around from pillar to post in the working world, quite literally, for a number of good reasons. The net result of this however…
In 2014 access to the state pension was increased from age 65 to 66, with access increasing to age 67 in 2021 and age 68 in 2028.
We discuss the variables that should be considered when looking at individual pensions – v – pension schemes and the tax benefits associated with paying into a pension.
We look at some of the factors surrounding how pensions may be affected by Covid-19 and some of the decisions you may need to consider during this time.
It is so important to start a pension. It helps minimise the amount of tax we pay over our life and gives us a pot of money to draw from in retirement.