Every client’s story is different. Each one is unique. We invest significant time to understand your very personal circumstances. We do this for all our clients, and setting your retirement income target is an essential part of this process. The income you receive in retirement...
Taking out a life insurance policy is a great first step in ensuring that those who depend on you would be taken care of financially if you were to die. However, over the years, your circumstances are likely to change, meaning that you may need...
If savers want a particular standard of living at retirement, then they will need a greater awareness of what must be saved today. Despite efforts by the Government to tackle the savings gap through auto-enrolment and raising the pensions age, challenges still exist. People are living...
Whatever you’re putting money aside for, there’s likely to be a role for Individual Saving Accounts (or ‘ISAs’). If you’re looking to grow your money over many years – perhaps to fund a dream purchase or help you in retirement – cash might not be...
It’s been estimated that 18% of earnings need to be saved each year to achieve an adequate income during retirement, an International Longevity Centre (ILC) report has concluded. It said the contribution level, which is nine times higher than current auto-enrolment rates, would help savers accumulate...
With historic ultra-low interest rates on savings, many investors over the past decade have turned to income-paying funds as an alternative to cash-based savings. Changing life plans and priorities mean we now encounter varying income needs and goals throughout our life and, when investing, certain...
On Tuesday the 19th of September, the whole of the Lifetime Group descended on the beautiful Heythrop Park in Oxfordshire for the 2017 Lifetime Conference. With a theme of 'Dare to Challenge', the team at Lifetime set out a goal of making this year's conference the...
Dad's are putting their family’s financial security at risk if the unexpected were to happen What would happen to you and your family in the event of unforeseen circumstances, such as the diagnosis of a serious illness or premature death? Worryingly, research from Scottish Widows reveals...
Consumers lost £130 million by sticking with the same pension provider in 2016 New research finds consumers could be missing out on thousands of pounds in retirement by not shopping around for their pension product. This means their pension pot may not stretch as far as...
Investing for major life events requires comprehensive investment solutions If you really want to give your money the potential to grow and you don’t need immediate access to it, think about investing it rather than just saving. You might want to invest for major life events...
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