No, the sooner the better, those who take financial advice are likely to accumulate more financial and pension wealth, supported by increased saving and investing in equity assets, while those in retirement are likely to have more income, particularly at older ages. *

* Research from International Longevity Centre – UK (ILC-UK)

Don’t let it be due to unfortunate circumstances, bereavements or divorce, be pro-active and allow us to educate you. Take advantage of our expertise, remove your financial worries and plan for the future. We can provide a wealth check-up, ensure you are looking after yourself, your dependents and even your parents.

We will help you understand where your money is now, then we will focus on planning your financial security for the future and you can be confident that you will be best prepared and in control.

According to research by Unbiased, UK savers who take financial advice save on average £98 more every month and receive an additional income of £3,654 every year of their retirement, based upon a pension pot of £100,000.

Tax relief – take advantage of the tax relief on your pension.

Are you enrolled into a workplace pension? Your employer will usually match or better your contributions, so this essentially doubles the funding of your pension.

Your pension grows largely tax free, which helps boost the amount you have.

You can take 25% of your pension pot as a tax-free lump sum when you reach age 55. (Depending on your pension scheme rules).

We can help you with other decisions around – deferring your pension, guaranteed income and flexible income.

The government receives millions every year from those that didn’t leave a Will. Only 7% of people have spoken to their parents about inheritance.

Are you aware who will legally inherit your estate? Have your circumstances changed? Try and involve your family in discussions. We can help with understanding inheritance tax and setting up trusts.

It’s possible you don’t need it but if you’ve children, a partner or other relatives dependent on your income then the answer is yes – you probably do want life insurance, since it will help provide for your family in the event of your death. There are ethical insurers available.

Many providers offer a range of deferred and payment periods giving you the flexibility to put income protection into plans with even the tightest of budgets. You can reduce the premium amount by increasing the length of time before a claim begins to be paid – some providers offer up to 52 weeks. Similarly, you could reduce the amount of time a claim is paid for (perhaps down to a year) to cut the cost a little more.