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At some point in many people’s lives, the discussion of whether or not to downsize comes up. If your children have moved out and you’re left with an oversized house for the two of you, then as an empty-nester downsizing may be an option for you.

Many medical and dental professionals slog through their working careers to save up enough in their pension funds to live comfortably and enjoy retirement. Alternatively, your money might be tied up in your property. If you find that you need extra cash to pay debts or for a big expense, equity release could be your […]

You’ve worked hard for most of your adult life, you likely have a mortgage to pay off and a family to provide for… always someone other than yourself to think about and care for. So you may be looking forward to retirement, towards a bit of ‘you time’, but when exactly should that time begin?

What are your plans for retirement? Travelling to see the world or visit family and friends? Taking up new hobbies or reigniting interest in old ones? Have plans to learn new skills? Whatever you’ve set your heart on, you’ll need a solid financial plan in place that will help get you where you want to […]

Everyone in the working world is labouring toward a common goal: retirement. But not everyone is equally prepared financially to stop working. Some are relying solely on pensions while others are banking on property. The good news is there’s a way to supercharge your retirement savings so you can relax and spending time with your […]

One of the unintended consequences of the introduction of the tapered annual allowance is that high-earning dental and medical professionals have been reducing their hours (and some even cutting down their work to part-time) in order to avoid hefty tax bills.

The tapered annual allowance has become such an issue with dental and medical professionals since its introduction in 2016 that the British Medical Association has approached NHS employers with the ask that they propose new solutions to the pension issues their members are facing and put forth a reform of the current pension tax laws.

People are finding more and more unconventional ways to fund their retirement. One of the more obvious answers that many are turning to is quite literally all around you – your home.

Many entrepreneurs and small business owners put off saving for retirement and plan to rely on future profits from selling their business. So, they prioritise putting money back into their business over saving for their golden years. As a group, they’re more desensitised to risk than most dental and medical professionals who rely on a […]

Exceeding the annual allowance has become quite the headache for many dental and medical professionals. The tapered annual allowance hits hardest individuals with high incomes – suffering annual tax charges on contributions and a lifetime tax charge on benefits.