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Sep 26
Care now – and get better care later

If you end up needing long-term care, the chances are you will have to fund most or even all of it yourself. When the costs can potentially spiral and eat into any inheritance you plan to leave behind, planning in advance is essential. What are your options? Article by Armstrong Watson Financial Planning. According to

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Sep 21
The Brexit effect: will first-time buyers benefit?

Before the EU referendum, many predicted that a vote to leave would depress house price growth and benefit first-time buyers. Now a report by Unbiased reveals the immediate impact of the Brexit vote on mood of the housing market – and the likely winners and losers. What effect has Brexit had on the housing market?

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Sep 19
The power of a savings MOT (that’s ‘Moment of Truth’)

A report by Royal London has revealed the battle faced by over a third of UK consumers. Day-to-day spending needs mean that many are finding it impossible to save for retirement. But there may be a solution in the form of one-off opportunities, if these can be identified in time: the savings ‘Moments of Truth’.

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Sep 13
Critical illness cover vs income protection – what’s the difference? (Part 2)

Following on from part 1, Neil Adams of Drewberry Wealth Management explains critical illness cover and how it differs from income protection. If you became unable to work due to illness, how best could you protect yourself and your family? Welcome back. Last time, we were talking about income protection and how it can provide

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Sep 13
Critical illness cover vs income protection – what’s the difference? (Part 1)

What’s the best way to protect yourself and your family if illness or injury stops you working? In this two-parter, Neil Adams of Drewberry Wealth Management explains the two key types of protection, and offers guidelines for ensuring that you are properly covered. If you had to be off work in the short or long

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Sep 12
One step closer to the pension advice allowance

Plans are taking shape for the pension advice allowance, to encourage more people to seek independent advice on their retirement choices. It is expected to allow the tax-free withdrawal of £500 from your pension pot before you reach 55. Here’s how it could work in practice. On the day you turn 55 years old, you

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Sep 06
‘It’s complicated!’ – Buying a home together

Few can climb the property ladder alone, and it’s not only couples who are making the ascent. But whether you’re buying as lovebirds or just housemates, it’s vital to understand how joint ownership works – or you could find that your dream home isn’t really yours after all. Most people who buy a home will

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Sep 05
How much income will you need in retirement?

Numerous survey findings have revealed a gap between what people expect to spend in retirement and the actual income they are likely to receive. In particular, many are overestimating the state pension they’ll be entitled to. Armstrong Watson Financial Planning offers guidance on making a more realistic retirement plan. There probably isn’t a week that

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Aug 31
Are you missing out on a pension top-up?

Hundreds of thousands of people are eligible for a market-busting deal to provide a better retirement income. Yet as of April 2016 fewer than 4,000 had taken the opportunity. If you haven’t yet considered topping up your state pension, you have only until April 2017 to act. When the government made it possible for some people

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Aug 30
Pack your retirement parachute

What is it about pensioners and parachutes? We turn 55 and feel suddenly compelled to fling ourselves from high places strapped to an outsized duvet cover. But by a neat coincidence, skydiving can teach us a crucial lesson about retirement. Picture the scene. You’re hurtling down at 120mph towards terra firma (and it does look