Auto enrolment – your key questions answered. What is auto enrolment, and does it affect me? In a word, yes. The law on workplace pensions has changed, meaning that every single business in the UK with at least one employee must comply with these new laws. Auto enrolment (AE) is so called because it is
“We have introduced the most fundamental reform to the way people access their pensions in almost a century by abolishing the effective requirement to buy an annuity, giving people much greater freedom over how they access their pension savings.” – George Osborne In April 2015 dramatic changes to your pension are being introduced by Government.
Around a month ago I was invited to give a talk at Wilmslow High School as part of their Careers Carousel. I was asked to give three presentations throughout the day to the year 11 students who were contemplating a career in financial services. As the day approached I found myself wondering what they would
I was very recently contacted by someone who initially seemed professional, well-meaning and reasonably knowledgeable. He said that he needed a good IFA in the North West to refer a steady flow of clients to. As I am actively developing a client bank this naturally piqued my interest, although I have to admit that my
We live in a wonderful time. Advances in health, living standards, nutrition, medical care and pharmacology coupled with the post-war wealth of the baby boomer generation have led to unprecedented increases in our longevity. As a result of this increase in prosperity and health we have become increasingly interested in wellness. We are actively seeking
Given the rise in property values and the tighter restrictions on borrowing limits, many parents now need to help children with the initial deposit for a property. Prior to the financial crisis, lenders were less concerned about where the funds were sourced but now they require source of funds declarations to be made. This meant
I recently had a very interesting conversation with my 8 year old daughter. – Daddy, how much is in my trust fund? I have to confess to being a little surprised at this question coming from an 8 year old girl. However, it is a in itself a reasonable question and deserves a reasonable response.