Retirement Planning

Retirement income – it all used to be so easy

Jonathan, February 9th, 2018

Thirty years ago, securing an income in retirement was relatively simple; collect years of service in the company’s pension plan (or some government pension plan for public servants) and retire on a defined percentage of your final salary. A combination of poor government policy, weak investment strategy, and rapid increases in longevity has all but destroyed this type of pension.

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Your Retirement Fund: What Are Alternatives to Annuities?

Jonathan, September 1st, 2017

What are the alternatives to annuities? Find out the best ways to plan for your retirement fund. The pension funds that an individual accumulates can be used to purchase an annuity from the pension plan provider or similar company. This typically happens during the early stages of retirement. For many people, this […]

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EWM portfolio and funds review | Spring 2017

Jonathan, May 16th, 2017

In our last blog, we wrote about behavioural biases and how they can affect us all as investors by pulling us off course if we succumb to their siren call. Let’s face it, if we wanted to, we could find plenty of reasons in the 24 hour news feeds every day to […]

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Pension Investments: The Rules and Regulations Explained

Dominic, February 3rd, 2017

The security of a state pension can tempt many people into putting off personal pension investments. But the sooner you start saving, the better off you will be when the time comes to retire. This will enable you to enjoy your retirement with friends and family and save for essential outgoings like […]

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If I were a rich man…

Jonathan, February 1st, 2017

We tend to assume that wealth is accumulated over time, often growing fastest in the later working years. Yet, in a broader sense, we are all born with wealth in the form of human capital, which represents the value of the earning potential that we have over our working lifetime. As younger people have a long time to go before they will need the money, the advice they receive is often that excess earnings should be invested predominantly in equities. A subtler approach takes into account the attributes of each person’s human capital which ranges from bond-like to equity-like in nature.

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Will I Have to Pay for My Care Home?

Jonathan, January 6th, 2017

As time goes on, financial planning for the future becomes more important. For those of us looking to ensure we’re comfortable into our later years, calculating the cost of care homes is essential. It may seem far off, but it’s never too soon to start building up a nest egg for retirement. […]

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What is Annuity? And How does it Work?

Dominic, January 4th, 2017

What is annuity: getting the most from your life savings What is annuity? We all know we should save a pension when we can work so that we can afford to live comfortably when we don’t. It’s generally understood that we each have a pot, amassed over the course of our working […]

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A Comprehensive Guide to Funding for Care Homes

Dominic, November 22nd, 2016

Funding for care homes can be a sensitive issue. While many people dream of a wonderful retirement on the high-seas as the cruise liner sails into the setting sun, spending their time sunbathing on a Mediterranean beach, or playing as many rounds of golf as they can cram into the day, the […]

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Planning For Retirement: How Healthy Are Your Pension Savings?

Jonathan, June 13th, 2016

How are you planning for your retirement?   For most of us, we’ve understood that over the course of our working lives our regular pension contributions will build up a lump sum that will then pay us, hopefully, a healthy retirement income. But now the rules have changed and pensioners have much […]

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Planning Your Future Retirement

Jonathan, January 25th, 2016

Have you planned your retirement? It’s easy to put off planning for your retirement. Student debts, first mortgages and family costs are all large drains on your income and savings, making a pension plan low priority. However, the sooner you start planning for your inevitable retirement, the better placed you will be […]

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Terrific meeting, many thanks. We always drive back from meetings with you wishing we'd met you and Dom years ago - but at least we're with you now! RB
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