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DB pension transfer advice, Edinburgh and across the UK

Case study: Transferring a small final salary pension

Friday, 7 April 2017

What did the client ask us to do? Mr R had been offered a generous transfer value offer from the final salary pension scheme of his previous employer, of around £97,000. As a self-employed builder, ...


Pension advice, Edinburgh, Fife and UK

The risks of accessing pensions while still working

Tuesday, 21 February 2017

With the "pension freedoms" introduced in early 2015 you now have the right, from age 55, to withdraw money as and when you choose from a money-purchase (defined contribution) pension. Many people hav ...


Independent financial advice, Edinburgh, Fife and UK

Tax return deadline looming

Tuesday, 3 January 2017

Disturbingly, with only a month to to to the end-January deadline, around half of people who have to do a self-assesment tax return have not done it yet. The fines for late submission have increased ...


Investment advice - Edinburgh, Fife and UK IFA and wealth manager

When is an income fund not an income fund?

Thursday, 15 December 2016

Equity income funds have long been seen as a panacea for UK investors, who have been tempted by the idea that you can get an income well above bank savings rates, while investing in high quality compa ...


Independent pension advice Edinburgh, Fife and UK

New tax charge risk on pension contributions

Monday, 28 November 2016

Anyone who has "flexibly accessed" their pensions will, from April 2017, be very limited in how much they can contribute to pensions in future. "Flexibly accessed" means withdrawing taxable income fr ...


Getting pension advice on retirement, Edinburgh, Fife and UK

Real client stories - consolidating pensions and moving them into income drawdown

Sunday, 13 November 2016

What did the client ask us to do? The client had reached retirement age and wanted to start taking an income from his pensions. He had already moved one pension into “income drawdown” with Scott ...


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