How do I buy an annuity?

Just before you are about to retire you need to change your pension fund into an income. You can’t simply start taking lump sums out of your pension. You are entitled to upto 25% of it as a lump sum,…

Can I take my pension pot now?

The earliest age you can take your pension is 55. With ongoing financial uncertainty and redundancies many are considering taking their pension early. The options you have in taking your pension are many and varied. Always seek independent retirement advice…

Annuities verses Income Drawdown

With the continued reduction in conventional annuity rates more retirees are looking to income drawdown as an alternative way of releasing their income in retirement. The choices are wide and varied and unless you fully understand both options it’s always…

New unisex annuity rules disadvantage men

The average age men and women live to has always been statistically different. These statistics have allowed a ‘fair’ cost to both sexes when taking out financial product based on life expectancy. Life cover for women for example, has always…

Long-Term Care Needs

It’s perhaps not something we want to think about ahead of time, but there’s always the possibility in everyone’s future of needing long-term care. When we saw this report on the BBC about the challenges and costs involved, we thought…
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