Our Financial Adviser, Hannah Heslop, explains why it may be time to consolidate your pensions.

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Jobs aren't for life like they used to be, more and more of us are changing jobs more frequently and with the introduction of auto-enrolment in 2012, it isn't surprising to learn that many of us have more than one pension in our name… and it's very easy to lose track of them, particularly if they date back some years ago and you've changed address....
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Our adviser Hannah was worried she hadn't provided for her family in the event of her death. Here's what she did to give herself peace of mind.

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"We've all got a terminal disease, it's called life" Benedict Groeschel Death, as morbid as it may seem is guaranteed for all of us. The reality of it is, we don't know when our time is up, and before I had children, I didn't really think about it too much. But, more recently I have. Like many at home during lockdown I started sorting out drawers a...
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IF IT SOUNDS TOO GOOD TO BE TRUE IT PROBABLY IS!

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Stuart Lost it All! Don't be like Stuart! This is a true case but we have changed the name of the client to avoid any embarrassment. Stuart was in his 50's, he had built up savings for his retirement and was still working full-time but had started getting a bit jaded with his work. A work colleague of Stuart's suggested he take a look at a fantasti...
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With the possibility of negative interest rates, we ask, IS YOUR MONEY REALLY SAFE?

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Are you a saver? Saving your hard earned surplus cash for a rainy day? Or a big occasion? Or maybe for your retirement? Perhaps you're squirrelling away pennies in a "safe" savings account ready for when you want to spend it. But…what is safe? The capital amount may be guaranteed and will grow with interest added but what about its value? Would you...
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Don't Do a Hannah!

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What I know now, I wish I knew then! Here I am, 40 years old and starting my first personal pension. One that I am going to manage and invest, and watch as it grows, with the ultimate goal of a pension pot that will provide me with the ability to retire on my terms with the income I want. As a teenager and well into my twenties I was good with mone...
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Tax-free investing - it's time to talk

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With the first wave of Child Trust Funds maturing this year, there's a great opportunity to talk to your children about the benefits of saving and investing. If one of your children has recently celebrated their 18th birthday then there's a good chance they'll have some money in a Child Trust Fund (CTF), which they can now access for the first time...
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Protecting your business in difficult times

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During the past few months, millions of businesses have been forced to shut temporarily, with employees furloughed or working from home under very difficult circumstances. With various business sectors reopening in July, many have suffered significant financial damage due to lockdown. For some businesses, productivity has been lost due to illness a...
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The world is changing – so should your insurance!

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The world is changing rapidly in a way that nobody could ever have expected, meaning your personal and financial circumstances are likely to have changed. It is important to regularly review all aspects of your finances and that includes reviewing your protection insurance, to make sure your policy provides adequate cover for your changing needs. U...
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Now is not the time to neglect your pension - keep your planning on track!

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The Coronavirus outbreak is having a widespread impact across all aspects of our financial life, with many people finding their income reduced. At times like this it can be challenging to stay focused. No matter what age you are, now is not the time to neglect your pension. Try your very best to keep your pension planning and contributions on track...
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Pension Planning for the Self-Employed

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There are 4.8 million self-employed people in the UK and only a third have any kind of pension arrangement. A shocking statistic when you consider that State support is shrinking and we're all living longer. Saving for a pension when you're self-employed is not as straightforward as it is for an employed person, who might automatically benefit from...
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