Should your home be your pension?
Almost a fifth of those who use property to generate income do so for their retirement. But is this a good strategy? For many of us, our houses are our most valuable asset and we may plan to use them…
Four pension questions to ask before retirement
Flexibility and freedom may be the current pension buzzwords, but those people who are on the verge of giving up work are advised to consider their options very carefully. In recent years, the retirement income landscape has been transformed. Keeping…
I’m A Doctor: Do I Need Financial Advice?
Changes to NHS pensions mean professional help is a must for busy medical people who do not want to risk the shock of an unexpected tax bill. The introduction in 2016 of the tapered annual allowance (TAA), has made it…
Why Talking Money Is Good For Your Health
‘Talk Money, Talk Pensions Week’ is the ideal time to discuss money worries, which research shows can help improve your financial well-being. More than three-quarters of employees in the UK claim money worries affect them at work, according to a…
Five questions to ask your financial adviser
It’s essential to do your homework before committing yourself. The relationship between you and your financial adviser is a vital one, and it could make the difference between a comfortable retirement and a penny pinching one. Just as you wouldn’t…
I’m self-employed. Do I need financial advice?
Self-employment brings both freedom and responsibility. Though you have more control over your finances than when you are in a salaried position, there are many things you need to think about to make the most of your new status. Using…
What should I do with my pension tax-free cash?
Once you reach 55, if you have saved into a defined contribution pension, you can take out a quarter of your money tax-free as soon as you like. Tempted? Here are some of the decisions you could make about what…
Who Really Owns Your Home? – UK
Although it’s the biggest purchase in most of our lives, it’s amazing how little we delve into how our home is really going to be owned between ourselves and our partner. Did anyone sit down and discuss with you how…
Who really owns your home?
Although it’s the biggest purchase in most of our lives, it’s amazing how little we delve into how our home is really going to be owned between ourselves and our partner. Did anyone sit down and discuss with you how…
Struggling To Get On The Property Ladder? You need to read this..
At Pivotal Financial Planning we always try to help every person we speak to, whether they have a million pounds to invest or they want to start their property dream. One Government scheme which is helping people in Scotland to…