NHS Pension – Age Discrimination (McCloud Judgment)

As life expectancy has increased over the last few decades, so has the headaches for the government with respect to public sector pension schemes. The first step the government took to try and address this was in 2008 (re the NHS Pension) with the ‘choices’ exercise, where 1995 scheme members were offered the option of […]

Gratitude and a Slower Pace To Life

It’s safe to say that 2020 has been one of the most challenging years that many of us will ever face. I believe that with every negative it’s important to look at the ‘glass half full’, otherwise it could be easy to go into and remain in a downward spiral. I’ve only been into the […]

NHS Pension Scheme and 2019/20 Annual Allowance charges

Pensions Savings Statements are prompting enquiries on annual allowance charges. Here’s a reminder of the special provisions that apply in respect of annual allowance charges of NHS clinicians in England and Wales for the 2019/20 tax year. Many clients working in the NHS will have recently received Pensions Savings Statements for tax year 2019/20 which […]

Seeing Things Differently

Last year my optician informed me that I was developing cataracts in both eyes and I needed to have the lenses replaced with surgery. I knew my eyesight was getting worse, as night driving was more difficult and when playing real tennis I was losing the flight of the ball as it neared my racquet. […]

Active or Tracker Funds?

We have discussed the ways you can invest your hard earned cash many times over the last 12 years, and recently we also covered MiFID II. This aims to ensure that in order to restore consumer confidence after the 2008 crash, European markets are safer, efficient and transparent. From our point of view, this entails […]

Stock Market Falls – Should I Be Worried?

Q. I have to admit that I’ve become a bit fixated on what’s going on with the stock markets recently as they have fallen across the world, in turn affecting the value of my investments. Should I be worried? A. It’s fine to be concerned, however if it’s making you anxious then we’d say that’s […]

New Beginnings & A Sense of Gratitude

Graeme and I are sharing the final word for this year, so before I wrap up, here’s a few words from Graeme: To say the least this has been a pivotal year for me! Separated from my Ex. Finding my own home. Meeting a new lady. And my daughter Charlotte off to University! I also […]

6 Steps To Securing Your Ideal Retirement

We originally published this piece in 2014 and wanted to share it again as it’s still as important as ever… As we approach the end of yet another year, now may be a good time to look ahead towards your retirement, not just the next 12 months as many do at New Year (presuming you’re not […]