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Independent financial advice on pensions, investments and mortgages, Edinburgh,

Should you spend pensions, ISAs or other assets first when you retire?

Wednesday, 21 February 2018

Many of our newly retired clients have a combination of assets and income, such as: A defined benefit pension Various money purchase (defined contribution) pensions Stocks and share ISAs An invest ...


Independent financial advice news updates, Edinburgh IFA

January client newsletter

Monday, 5 February 2018

Our January newsletter can be found at this link Get in touch if we can help with any of the areas covered. Articles include: Reach your financial goals: Helping you realise your retirement vision ...


Year end tax planning - independent financial advisor, Edinburgh

Year end tax planning checklist

Monday, 15 January 2018

Our guide to year-end tax planning can be found at this link It explains how you could benefit from the following steps: Use all of your £20,000 ISA allowance (ISAs are free of income and capital g ...


Edinburgh IFA - pension and retirement planning advice

How a fixed term annuity can solve a pension problem

Thursday, 28 December 2017

Annuities are out of fashion these days, because annuity rates are so low. A pension pot of £100,000 used to get you a guaranteed lifetime income, inflation-linked, of around £5,000 per year, but to ...


Pension tax relief advice, Edinburgh, Scotland

New Scottish income tax rates

Thursday, 14 December 2017

The SNP have delivered on their promise to increase the number of income tax rates in Scotland, meaning that higher earners will pay more tax. In summary, the old rates were: 20% on income between t ...


Final salary pension transfer specialists

Another director gains defined benefit pension transfer qualification

Friday, 8 December 2017

Exciting news today - director Wendy Cochran has passed the FCA-approved CII "Pension Transfers" exam which means she can now advise on the merits of transferring a defined benefit (final salary) pens ...


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