At Retirement
Having worked hard to accumulate wealth during your working life, you will want to make sure those funds support you and your family through analysing your finances with help from retirement financial planners who can offer you thorough ‘at retirement’ advice. A financially robust investment strategy is fundamental. It has to be tested to meet the cost of your retirement lifestyle, to ensure it is sustainable.
The key elements and options to be considered are
A lifetime cash flow forecast.
A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.
The effective use of a combination of planning strategies, not just pensions.
A sustainable and appropriate investment strategy for retirement.
We have the personal experience of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Further information about Pensions & Retirement:
Pensions & RetirementNews & Case Studies
Don’t worry, be happy
Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].Defined Benefit Pension Schemes
Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.Deferring State Pension
Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 ReadThe new rules of deferring your pension
If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.
The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...
Planning for your retirement
Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.New State Pension Age
Posted in Pensions & Retirement, State Pension on 14.09.17 ReadWill you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.
The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...
Aged 18-40? Save with LISA
Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...Money Purchase Annual Allowance
Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
The key elements and options to be considered are
A lifetime cash flow forecast.
A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.
The effective use of a combination of planning strategies, not just pensions.
A sustainable and appropriate investment strategy for retirement.
We have the personal experience of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Further information about Pensions & Retirement:
Pensions & RetirementNews & Case Studies
New lease of life
Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.Don’t worry, be happy
Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].Defined Benefit Pension Schemes
Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.Deferring State Pension
Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 ReadThe new rules of deferring your pension
If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.
The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...
Planning for your retirement
Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.New State Pension Age
Posted in Pensions & Retirement, State Pension on 14.09.17 ReadWill you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.
The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...
Aged 18-40? Save with LISA
Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...Money Purchase Annual Allowance
Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
The key elements and options to be considered are
A lifetime cash flow forecast.
A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.
The effective use of a combination of planning strategies, not just pensions.
A sustainable and appropriate investment strategy for retirement.
We have the personal experience of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Further information about Pensions & Retirement:
Pensions & RetirementNews & Case Studies
New lease of life
Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.Don’t worry, be happy
Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].Defined Benefit Pension Schemes
Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.Deferring State Pension
Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 ReadThe new rules of deferring your pension
If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.
The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...
Planning for your retirement
Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.New State Pension Age
Posted in Pensions & Retirement, State Pension on 14.09.17 ReadWill you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.
The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...
Aged 18-40? Save with LISA
Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...Money Purchase Annual Allowance
Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
The key elements and options to be considered are
A lifetime cash flow forecast.
A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.
The effective use of a combination of planning strategies, not just pensions.
A sustainable and appropriate investment strategy for retirement.
We have the personal experience of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Further information about Pensions & Retirement:
Pensions & RetirementNews & Case Studies
New lease of life
Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.Don’t worry, be happy
Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].Defined Benefit Pension Schemes
Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.Deferring State Pension
Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 ReadThe new rules of deferring your pension
If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.
The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...
Planning for your retirement
Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.New State Pension Age
Posted in Pensions & Retirement, State Pension on 14.09.17 ReadWill you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.
The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...
Aged 18-40? Save with LISA
Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...Money Purchase Annual Allowance
Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
The key elements and options to be considered are
A lifetime cash flow forecast.
A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.
The effective use of a combination of planning strategies, not just pensions.
A sustainable and appropriate investment strategy for retirement.
We have the personal experience of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Further information about Pensions & Retirement:
Pensions & RetirementNews & Case Studies
New lease of life
Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.Don’t worry, be happy
Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].Defined Benefit Pension Schemes
Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.Deferring State Pension
Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 ReadThe new rules of deferring your pension
If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.
The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...
Planning for your retirement
Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.New State Pension Age
Posted in Pensions & Retirement, State Pension on 14.09.17 ReadWill you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.
The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...
Aged 18-40? Save with LISA
Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...Money Purchase Annual Allowance
Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
The key elements and options to be considered are
A lifetime cash flow forecast.
A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.
The effective use of a combination of planning strategies, not just pensions.
A sustainable and appropriate investment strategy for retirement.
We have the personal experience of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Further information about Pensions & Retirement:
Pensions & RetirementNews & Case Studies
New lease of life
Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.Don’t worry, be happy
Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].Defined Benefit Pension Schemes
Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.Deferring State Pension
Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 ReadThe new rules of deferring your pension
If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.
The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...
Planning for your retirement
Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.New State Pension Age
Posted in Pensions & Retirement, State Pension on 14.09.17 ReadWill you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.
The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...
Aged 18-40? Save with LISA
Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...Money Purchase Annual Allowance
Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
The key elements and options to be considered are
A lifetime cash flow forecast.
A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.
The effective use of a combination of planning strategies, not just pensions.
A sustainable and appropriate investment strategy for retirement.
We have the personal experience of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Further information about Pensions & Retirement:
Pensions & RetirementNews & Case Studies
New lease of life
Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.Don’t worry, be happy
Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].Defined Benefit Pension Schemes
Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.Deferring State Pension
Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 ReadThe new rules of deferring your pension
If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.
The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...
Planning for your retirement
Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.New State Pension Age
Posted in Pensions & Retirement, State Pension on 14.09.17 ReadWill you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.
The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...
Aged 18-40? Save with LISA
Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...Money Purchase Annual Allowance
Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
The key elements and options to be considered are
A lifetime cash flow forecast.
A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.
The effective use of a combination of planning strategies, not just pensions.
A sustainable and appropriate investment strategy for retirement.
We have the personal experience of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Further information about Pensions & Retirement:
Pensions & RetirementNews & Case Studies
New lease of life
Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.Don’t worry, be happy
Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].Defined Benefit Pension Schemes
Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.Deferring State Pension
Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 ReadThe new rules of deferring your pension
If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.
The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...
Planning for your retirement
Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.New State Pension Age
Posted in Pensions & Retirement, State Pension on 14.09.17 ReadWill you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.
The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...
Aged 18-40? Save with LISA
Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...Money Purchase Annual Allowance
Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
The key elements and options to be considered are
A lifetime cash flow forecast.
A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.
The effective use of a combination of planning strategies, not just pensions.
A sustainable and appropriate investment strategy for retirement.
We have the personal experience of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Further information about Pensions & Retirement:
Pensions & RetirementNews & Case Studies
New lease of life
Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.Don’t worry, be happy
Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].Defined Benefit Pension Schemes
Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.Deferring State Pension
Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 ReadThe new rules of deferring your pension
If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.
The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...
Planning for your retirement
Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.New State Pension Age
Posted in Pensions & Retirement, State Pension on 14.09.17 ReadWill you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.
The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...
Aged 18-40? Save with LISA
Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...Money Purchase Annual Allowance
Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
The key elements and options to be considered are
A lifetime cash flow forecast.
A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.
The effective use of a combination of planning strategies, not just pensions.
A sustainable and appropriate investment strategy for retirement.
We have the personal experience of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Further information about Pensions & Retirement:
Pensions & RetirementNews & Case Studies
New lease of life
Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.Don’t worry, be happy
Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].Defined Benefit Pension Schemes
Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.Deferring State Pension
Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 ReadThe new rules of deferring your pension
If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.
The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...
Planning for your retirement
Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.New State Pension Age
Posted in Pensions & Retirement, State Pension on 14.09.17 ReadWill you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.
The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...
Aged 18-40? Save with LISA
Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...Money Purchase Annual Allowance
Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
The key elements and options to be considered are
A lifetime cash flow forecast.
A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.
The effective use of a combination of planning strategies, not just pensions.
A sustainable and appropriate investment strategy for retirement.
We have the personal experience of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Further information about Pensions & Retirement:
Pensions & RetirementNews & Case Studies
New lease of life
Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.Don’t worry, be happy
Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].Defined Benefit Pension Schemes
Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.Deferring State Pension
Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 ReadThe new rules of deferring your pension
If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.
The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...
Planning for your retirement
Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.New State Pension Age
Posted in Pensions & Retirement, State Pension on 14.09.17 ReadWill you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.
The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...
Aged 18-40? Save with LISA
Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...Money Purchase Annual Allowance
Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
The key elements and options to be considered are
A lifetime cash flow forecast.
A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.
The effective use of a combination of planning strategies, not just pensions.
A sustainable and appropriate investment strategy for retirement.
We have the personal experience of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Further information about Pensions & Retirement:
Pensions & RetirementNews & Case Studies
New lease of life
Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.Don’t worry, be happy
Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].Defined Benefit Pension Schemes
Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.Deferring State Pension
Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 ReadThe new rules of deferring your pension
If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.
The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...
Planning for your retirement
Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.New State Pension Age
Posted in Pensions & Retirement, State Pension on 14.09.17 ReadWill you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.
The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...
Aged 18-40? Save with LISA
Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...Money Purchase Annual Allowance
Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
The key elements and options to be considered are
A lifetime cash flow forecast.
A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.
The effective use of a combination of planning strategies, not just pensions.
A sustainable and appropriate investment strategy for retirement.
We have the personal experience of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Further information about Pensions & Retirement:
Pensions & RetirementNews & Case Studies
New lease of life
Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.Don’t worry, be happy
Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].Defined Benefit Pension Schemes
Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.Deferring State Pension
Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 ReadThe new rules of deferring your pension
If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.
The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...
Planning for your retirement
Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.New State Pension Age
Posted in Pensions & Retirement, State Pension on 14.09.17 ReadWill you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.
The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...
Aged 18-40? Save with LISA
Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...Money Purchase Annual Allowance
Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
The key elements and options to be considered are
A lifetime cash flow forecast.
A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.
The effective use of a combination of planning strategies, not just pensions.
A sustainable and appropriate investment strategy for retirement.
We have the personal experience of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Further information about Pensions & Retirement:
Pensions & RetirementNews & Case Studies
New lease of life
Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.Don’t worry, be happy
Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].Defined Benefit Pension Schemes
Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.Deferring State Pension
Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 ReadThe new rules of deferring your pension
If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.
The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...
Planning for your retirement
Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.New State Pension Age
Posted in Pensions & Retirement, State Pension on 14.09.17 ReadWill you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.
The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...
Aged 18-40? Save with LISA
Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...Money Purchase Annual Allowance
Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
The key elements and options to be considered are
A lifetime cash flow forecast.
A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.
The effective use of a combination of planning strategies, not just pensions.
A sustainable and appropriate investment strategy for retirement.
We have the personal experience of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Further information about Pensions & Retirement:
Pensions & RetirementNews & Case Studies
New lease of life
Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.Don’t worry, be happy
Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].Defined Benefit Pension Schemes
Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.Deferring State Pension
Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 ReadThe new rules of deferring your pension
If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.
The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...
Planning for your retirement
Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.New State Pension Age
Posted in Pensions & Retirement, State Pension on 14.09.17 ReadWill you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.
The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...
Aged 18-40? Save with LISA
Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...Money Purchase Annual Allowance
Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
The key elements and options to be considered are
A lifetime cash flow forecast.
A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.
The effective use of a combination of planning strategies, not just pensions.
A sustainable and appropriate investment strategy for retirement.
We have the personal experience of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Further information about Pensions & Retirement:
Pensions & RetirementNews & Case Studies
New lease of life
Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.Don’t worry, be happy
Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].Defined Benefit Pension Schemes
Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.Deferring State Pension
Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 ReadThe new rules of deferring your pension
If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.
The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...
Planning for your retirement
Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.New State Pension Age
Posted in Pensions & Retirement, State Pension on 14.09.17 ReadWill you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.
The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...
Aged 18-40? Save with LISA
Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...Money Purchase Annual Allowance
Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
The key elements and options to be considered are
A lifetime cash flow forecast.
A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.
The effective use of a combination of planning strategies, not just pensions.
A sustainable and appropriate investment strategy for retirement.
We have the personal experience of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Further information about Pensions & Retirement:
Pensions & RetirementNews & Case Studies
New lease of life
Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.Don’t worry, be happy
Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].Defined Benefit Pension Schemes
Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.Deferring State Pension
Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 ReadThe new rules of deferring your pension
If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.
The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...
Planning for your retirement
Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.New State Pension Age
Posted in Pensions & Retirement, State Pension on 14.09.17 ReadWill you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.
The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...
Aged 18-40? Save with LISA
Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...Money Purchase Annual Allowance
Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
The key elements and options to be considered are
A lifetime cash flow forecast.
A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.
The effective use of a combination of planning strategies, not just pensions.
A sustainable and appropriate investment strategy for retirement.
We have the personal experience of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Further information about Pensions & Retirement:
Pensions & RetirementNews & Case Studies
New lease of life
Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.Don’t worry, be happy
Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].Defined Benefit Pension Schemes
Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.Deferring State Pension
Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 ReadThe new rules of deferring your pension
If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.
The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...
Planning for your retirement
Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.New State Pension Age
Posted in Pensions & Retirement, State Pension on 14.09.17 ReadWill you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.
The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...
Aged 18-40? Save with LISA
Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...Money Purchase Annual Allowance
Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
The key elements and options to be considered are
A lifetime cash flow forecast.
A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.
The effective use of a combination of planning strategies, not just pensions.
A sustainable and appropriate investment strategy for retirement.
We have the personal experience of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Further information about Pensions & Retirement:
Pensions & RetirementNews & Case Studies
New lease of life
Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.Don’t worry, be happy
Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].Defined Benefit Pension Schemes
Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.Deferring State Pension
Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 ReadThe new rules of deferring your pension
If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.
The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...
Planning for your retirement
Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.New State Pension Age
Posted in Pensions & Retirement, State Pension on 14.09.17 ReadWill you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.
The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...
Aged 18-40? Save with LISA
Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...Money Purchase Annual Allowance
Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
The key elements and options to be considered are
A lifetime cash flow forecast.
A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.
The effective use of a combination of planning strategies, not just pensions.
A sustainable and appropriate investment strategy for retirement.
We have the personal experience of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Further information about Pensions & Retirement:
Pensions & RetirementNews & Case Studies
New lease of life
Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.Don’t worry, be happy
Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].Defined Benefit Pension Schemes
Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.Deferring State Pension
Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 ReadThe new rules of deferring your pension
If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.
The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...
Planning for your retirement
Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.New State Pension Age
Posted in Pensions & Retirement, State Pension on 14.09.17 ReadWill you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.
The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...
Aged 18-40? Save with LISA
Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...Money Purchase Annual Allowance
Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
The key elements and options to be considered are
A lifetime cash flow forecast.
A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.
The effective use of a combination of planning strategies, not just pensions.
A sustainable and appropriate investment strategy for retirement.
We have the personal experience of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Further information about Pensions & Retirement:
Pensions & RetirementNews & Case Studies
New lease of life
Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.Don’t worry, be happy
Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].Defined Benefit Pension Schemes
Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.Deferring State Pension
Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 ReadThe new rules of deferring your pension
If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.
The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...
Planning for your retirement
Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.New State Pension Age
Posted in Pensions & Retirement, State Pension on 14.09.17 ReadWill you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.
The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...
Aged 18-40? Save with LISA
Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...Money Purchase Annual Allowance
Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
The key elements and options to be considered are
A lifetime cash flow forecast.
A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.
The effective use of a combination of planning strategies, not just pensions.
A sustainable and appropriate investment strategy for retirement.
We have the personal experience of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Further information about Pensions & Retirement:
Pensions & RetirementNews & Case Studies
New lease of life
Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.Don’t worry, be happy
Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].Defined Benefit Pension Schemes
Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.Deferring State Pension
Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 ReadThe new rules of deferring your pension
If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.
The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...
Planning for your retirement
Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.New State Pension Age
Posted in Pensions & Retirement, State Pension on 14.09.17 ReadWill you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.
The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...
Aged 18-40? Save with LISA
Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...Money Purchase Annual Allowance
Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
The key elements and options to be considered are
A lifetime cash flow forecast.
A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.
The effective use of a combination of planning strategies, not just pensions.
A sustainable and appropriate investment strategy for retirement.
We have the personal experience of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Further information about Pensions & Retirement:
Pensions & RetirementNews & Case Studies
New lease of life
Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.Don’t worry, be happy
Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].Defined Benefit Pension Schemes
Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.Deferring State Pension
Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 ReadThe new rules of deferring your pension
If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.
The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...
Planning for your retirement
Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.New State Pension Age
Posted in Pensions & Retirement, State Pension on 14.09.17 ReadWill you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.
The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...
Aged 18-40? Save with LISA
Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...Money Purchase Annual Allowance
Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
The key elements and options to be considered are
A lifetime cash flow forecast.
A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.
The effective use of a combination of planning strategies, not just pensions.
A sustainable and appropriate investment strategy for retirement.
We have the personal experience of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Further information about Pensions & Retirement:
Pensions & RetirementNews & Case Studies
New lease of life
Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.Don’t worry, be happy
Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].Defined Benefit Pension Schemes
Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.Deferring State Pension
Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 ReadThe new rules of deferring your pension
If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.
The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...
Planning for your retirement
Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.New State Pension Age
Posted in Pensions & Retirement, State Pension on 14.09.17 ReadWill you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.
The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...
Aged 18-40? Save with LISA
Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...Money Purchase Annual Allowance
Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
The key elements and options to be considered are
A lifetime cash flow forecast.
A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.
The effective use of a combination of planning strategies, not just pensions.
A sustainable and appropriate investment strategy for retirement.
We have the personal experience of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Further information about Pensions & Retirement:
Pensions & RetirementNews & Case Studies
New lease of life
Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.Don’t worry, be happy
Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].Defined Benefit Pension Schemes
Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.Deferring State Pension
Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 ReadThe new rules of deferring your pension
If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.
The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...
Planning for your retirement
Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.New State Pension Age
Posted in Pensions & Retirement, State Pension on 14.09.17 ReadWill you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.
The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...
Aged 18-40? Save with LISA
Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...Money Purchase Annual Allowance
Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
The key elements and options to be considered are
A lifetime cash flow forecast.
A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.
The effective use of a combination of planning strategies, not just pensions.
A sustainable and appropriate investment strategy for retirement.
We have the personal experience of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Further information about Pensions & Retirement:
Pensions & RetirementNews & Case Studies
New lease of life
Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.Don’t worry, be happy
Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].Defined Benefit Pension Schemes
Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.Deferring State Pension
Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 ReadThe new rules of deferring your pension
If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.
The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...
Planning for your retirement
Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.New State Pension Age
Posted in Pensions & Retirement, State Pension on 14.09.17 ReadWill you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.
The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...
Aged 18-40? Save with LISA
Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...Money Purchase Annual Allowance
Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
The key elements and options to be considered are
A lifetime cash flow forecast.
A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.
The effective use of a combination of planning strategies, not just pensions.
A sustainable and appropriate investment strategy for retirement.
We have the personal experience of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Further information about Pensions & Retirement:
Pensions & RetirementNews & Case Studies
New lease of life
Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.Don’t worry, be happy
Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].Defined Benefit Pension Schemes
Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.Deferring State Pension
Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 ReadThe new rules of deferring your pension
If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.
The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...
Planning for your retirement
Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.New State Pension Age
Posted in Pensions & Retirement, State Pension on 14.09.17 ReadWill you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.
The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...
Aged 18-40? Save with LISA
Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...Money Purchase Annual Allowance
Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
The key elements and options to be considered are
A lifetime cash flow forecast.
A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.
The effective use of a combination of planning strategies, not just pensions.
A sustainable and appropriate investment strategy for retirement.
We have the personal experience of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Further information about Pensions & Retirement:
Pensions & RetirementNews & Case Studies
New lease of life
Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.Don’t worry, be happy
Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].Defined Benefit Pension Schemes
Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.Deferring State Pension
Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 ReadThe new rules of deferring your pension
If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.
The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...
Planning for your retirement
Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.New State Pension Age
Posted in Pensions & Retirement, State Pension on 14.09.17 ReadWill you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.
The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...
Aged 18-40? Save with LISA
Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...Money Purchase Annual Allowance
Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
The key elements and options to be considered are
A lifetime cash flow forecast.
A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.
The effective use of a combination of planning strategies, not just pensions.
A sustainable and appropriate investment strategy for retirement.
We have the personal experience of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Further information about Pensions & Retirement:
Pensions & RetirementNews & Case Studies
New lease of life
Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.Don’t worry, be happy
Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].Defined Benefit Pension Schemes
Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.Deferring State Pension
Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 ReadThe new rules of deferring your pension
If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.
The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...
Planning for your retirement
Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.New State Pension Age
Posted in Pensions & Retirement, State Pension on 14.09.17 ReadWill you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.
The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...
Aged 18-40? Save with LISA
Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...Money Purchase Annual Allowance
Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
The key elements and options to be considered are
A lifetime cash flow forecast.
A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.
The effective use of a combination of planning strategies, not just pensions.
A sustainable and appropriate investment strategy for retirement.
We have the personal experience of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Further information about Pensions & Retirement:
Pensions & RetirementNews & Case Studies
New lease of life
Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.Don’t worry, be happy
Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].Defined Benefit Pension Schemes
Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.Deferring State Pension
Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 ReadThe new rules of deferring your pension
If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.
The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...
Planning for your retirement
Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.New State Pension Age
Posted in Pensions & Retirement, State Pension on 14.09.17 ReadWill you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.
The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...
Aged 18-40? Save with LISA
Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...Money Purchase Annual Allowance
Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
The key elements and options to be considered are
A lifetime cash flow forecast.
A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.
The effective use of a combination of planning strategies, not just pensions.
A sustainable and appropriate investment strategy for retirement.
We have the personal experience of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Further information about Pensions & Retirement:
Pensions & RetirementNews & Case Studies
New lease of life
Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.Don’t worry, be happy
Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].Defined Benefit Pension Schemes
Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.Deferring State Pension
Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 ReadThe new rules of deferring your pension
If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.
The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...
Planning for your retirement
Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.New State Pension Age
Posted in Pensions & Retirement, State Pension on 14.09.17 ReadWill you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.
The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...
Aged 18-40? Save with LISA
Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...Money Purchase Annual Allowance
Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
The key elements and options to be considered are
A lifetime cash flow forecast.
A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.
The effective use of a combination of planning strategies, not just pensions.
A sustainable and appropriate investment strategy for retirement.
We have the personal experience of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Further information about Pensions & Retirement:
Pensions & RetirementNews & Case Studies
New lease of life
Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.Don’t worry, be happy
Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].Defined Benefit Pension Schemes
Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.Deferring State Pension
Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 ReadThe new rules of deferring your pension
If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.
The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...
Planning for your retirement
Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.New State Pension Age
Posted in Pensions & Retirement, State Pension on 14.09.17 ReadWill you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.
The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...
Aged 18-40? Save with LISA
Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...Money Purchase Annual Allowance
Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
The key elements and options to be considered are
A lifetime cash flow forecast.
A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.
The effective use of a combination of planning strategies, not just pensions.
A sustainable and appropriate investment strategy for retirement.
We have the personal experience of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Further information about Pensions & Retirement:
Pensions & RetirementNews & Case Studies
New lease of life
Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.Don’t worry, be happy
Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].Defined Benefit Pension Schemes
Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.Deferring State Pension
Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 ReadThe new rules of deferring your pension
If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.
The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...
Planning for your retirement
Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.New State Pension Age
Posted in Pensions & Retirement, State Pension on 14.09.17 ReadWill you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.
The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...
Aged 18-40? Save with LISA
Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...Money Purchase Annual Allowance
Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
The key elements and options to be considered are
A lifetime cash flow forecast.
A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.
The effective use of a combination of planning strategies, not just pensions.
A sustainable and appropriate investment strategy for retirement.
We have the personal experience of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Further information about Pensions & Retirement:
Pensions & RetirementNews & Case Studies
New lease of life
Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.Don’t worry, be happy
Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].Defined Benefit Pension Schemes
Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.Deferring State Pension
Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 ReadThe new rules of deferring your pension
If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.
The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...
Planning for your retirement
Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.New State Pension Age
Posted in Pensions & Retirement, State Pension on 14.09.17 ReadWill you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.
The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...
Aged 18-40? Save with LISA
Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...Money Purchase Annual Allowance
Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
The key elements and options to be considered are
A lifetime cash flow forecast.
A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.
The effective use of a combination of planning strategies, not just pensions.
A sustainable and appropriate investment strategy for retirement.
We have the personal experience of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Further information about Pensions & Retirement:
Pensions & RetirementNews & Case Studies
New lease of life
Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.Don’t worry, be happy
Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].Defined Benefit Pension Schemes
Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.Deferring State Pension
Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 ReadThe new rules of deferring your pension
If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.
The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...
Planning for your retirement
Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.New State Pension Age
Posted in Pensions & Retirement, State Pension on 14.09.17 ReadWill you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.
The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...
Aged 18-40? Save with LISA
Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...Money Purchase Annual Allowance
Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
The key elements and options to be considered are
A lifetime cash flow forecast.
A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.
The effective use of a combination of planning strategies, not just pensions.
A sustainable and appropriate investment strategy for retirement.
We have the personal experience of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Further information about Pensions & Retirement:
Fiducia have treated me so well over the years moving my money around, so that overall I have gained and recently when they knew I was considering cashing in my pension they suggested I move it to ‘safe’ investments.