Income Options

Income Options

Thinking ahead to life after work, which may be close, may be a long way off, but wherever you are in life, it makes sense, when you can, to think about your income streams.For many people, retirement = pension. Yes, pensions are likely to form an integral part of...
Risk – what to do?

Risk – what to do?

Risk is something we face in every day life and sometimes it’s dealt with through our subconscious mind and other times it’s in our faces. Managing your personal finances is no different and there is arguably risk in every decision. Buying a house is a risk, putting...
Lifetime allowance

Lifetime allowance

Pensions……there are rules aren’t there? There certainly are and it’s quite likely those rules, to some extent at least, put people off from embracing pensions and using them as a financial planning tool to the fullest extent. One rule that might be on your radar is...
Pensions – contributions and tax

Pensions – contributions and tax

This is my 13th blog as part of our weekly blog series – unlucky for some – but not you, as the reader. It’s my second blog with a focus on pensions.  A recent conversation with a contact similarly aged to me, highlighted the fact that for many, the world of pensions...
Buckets and your savings

Buckets and your savings

Yes, buckets. I like using the 2 bucket method for washing the cars. One for mucky water, one for clean, soapy water. A bit of faff? Trust me, it’s the way forward. How do you manage your money? All in one pot? I was talking someone recently and we talked about 3...