by Patryk D. | May 10, 2022 | Financial planning, Retirement and pensions
Many clients ask ‘will I be okay?’ or ‘do I have enough money to retire?’. Those are of course important questions and ones that a financial planner can help answer. The real question for most of us, however, is deciding what kind of life it is exactly that we want to...
by Patryk D. | Jan 28, 2022 | Estate planning, Financial planning, Retirement and pensions
Tax-Tips: April 5th approaches! There are several important and valuable tax-planning opportunities that will be lost after 5 April 2022. With only around 2 months to go until the end of the tax year, there is still time to take advantage of various tax-planning ideas...
by Patryk D. | Aug 20, 2021 | Financial planning, Retirement and pensions
KEY TAKEAWAYS Your ‘life expectancy’ could be longer than the average person.You have a 50% chance of living longer than your life expectancy.For a couple, the chance that one survives to a given age is higher than either individual.This ‘Longevity Risk’...
by Patryk D. | Aug 11, 2021 | Financial planning, Investment, Retirement and pensions
As investors, there is no escaping uncertainty or risk. Of all the risks that we face as investors, one has received a lot of press attention recently – inflation.I found the below article from Dimensional Fund Advisers helpful in putting newspaper headlines...
by Patryk D. | Jul 26, 2021 | Financial planning, Retirement and pensions
While the highest headline marginal income tax rate in England and Wales is 45%, high earners can have an effective tax rate of 60%. For every pound earned over £100,000, your personal allowance (of £12,570) is reduced at a rate of £1 for every £2 earned. In...
by Patryk D. | Mar 16, 2021 | Financial planning, Retirement and pensions
The budget on March 3rd brought with it the announcement that the Pensions Lifetime Allowance (LTA) will remain at the current level of £1,073,100 until April 2026. It had been expected to increase each year in line with inflation (as measured by the Consumer...
