Decumulation

Decumulation

Decumulation in the Collins English Dictionary is defined as ‘a decrease in amount or value’. In recent years it has really come into focus in our industry particularly when the pension freedoms were introduced, and it became possible to simply drain a pension fund in...
Being the best you……

Being the best you……

This week my wife passed an exam which completed her Investment Advice Diploma qualification. It has been 5 years in the making as due to growing our family she stepped back from exams for a period of time. Doing further exams to obtain professional qualifications are...
Restrictive covenants or not?

Restrictive covenants or not?

Friday marked 365 days since my restrictions kicked in after leaving my previous employer. Whilst I understand why many businesses feel the need to include such clauses in contracts, it is very frustrating not being able to speak with people who you had worked with...
Beware the Ides of March

Beware the Ides of March

Rishi Sunak has selected 3rd March for his next Budget. There has been plenty of speculation around tax increases to try and cover some of the huge deficit that has been accrued during the current pandemic. Changes to corporation tax, capital gains tax, pension tax...
Looking back at 2020

Looking back at 2020

I have gone early this year and thought with the festive period nearly upon us I would provide a few thoughts on 2020 and some hopes for 2021. The year started with the huge obstacle of having to resign from a successful career I had built up with a very steady...