independent pension advice

February 2016

5 steps to a brighter retirement

By |February 9th, 2016|

Concerned about the financial aspects of retirement planning?
With all the talk and concern about dwindling retirement funds and our shaky economy, many retirees and soon-to-be-retired boomers are concerned about the financial aspects of retirement planning. These are 5 steps to give you a brighter retirement.

1. From 6 April 2015, on reaching the age of 55 you can […]


By |February 3rd, 2016|

Consolidating pensions
Most people, during their career, accumulate a number of different pension plans. Keeping your pension savings in a number of different plans may result in lost investment opportunities and unnecessary exposure to risk. However, not all consolidation of pensions will be in your best interests. You should always look carefully into the possible benefits […]

January 2016

Retirement matters

By |January 21st, 2016|

Pension changes you need to know
Chancellor George Osborne delivered his Spending Review and Autumn Statement on Wednesday 25 November 2015. For the first time in this Parliament, he did not announce any further radical changes to the private pensions system, giving the Treasury more time to digest the Green Paper consultation from the summer Budget.

However, […]

Pension tax relief

By |January 8th, 2016|

New tapered annual allowance for high earners
The pension tax relief system is about to be reinvented. The Government announced in the Summer 2015 Budget their intention to cut pensions tax relief for high earners by introducing a tapered annual allowance from 6 April 2016 for individuals with income (including the value of any pension contributions) […]

December 2015

Financial decisions

By |December 22nd, 2015|

Flexibility to use your pension pot in the way that suits your needs
Financial decisions are some what very important, some more important than others and of those being adequate financial provision for retirement.  However sometimes for some people this can be a daunting topic and the options they find that they have can be sometimes […]

Funding retirement

By |December 11th, 2015|

Funding for your retirement is important, more people are living longer however retiring on smaller pension pots which will not last forever. However many people find it difficult to fund for their retirement or just simply do not know where to start in doing so. We at Hutt Professional have financial advisers with many years […]

November 2015

SIPP freedom

By |November 24th, 2015|

One of the most tax-efficient ways of saving for retirement
If you want the freedom to manage your own investments that will enable you to achieve your retirement goals, a Self-Invested Personal Pension (SIPP) could be an option for you to consider. A SIPP is a pension ‘wrapper’ that holds investments until you retire and start […]

Evaluating your future finances

By |November 13th, 2015|

New possibilities in retirement, and the options available to you

The recent pension freedoms have opened up new possibilities in retirement, allowing more of today’s recent retirees to enjoy the sixty-something socialite lifestyle. Retirement can be one of the most liberating and exciting life stages, but to get the most freedom and enjoyment out of retirement, […]

Saving for retirement

By |November 4th, 2015|

Older workers delaying retirement to release cash from their savings
Figures from Zurich showt that one in four older workers could delay retirement after dipping into their pension pot.

Working beyond planned retirement date just over a quarter (26%) of over-55s in employment said they would be likely to work beyond their planned retirement date after using the […]

October 2015

Pension planning apathy

By |October 15th, 2015|

More than ten million pots are being left largely unmonitored
Individuals are living longer, meaning that savings have to fund a longer period of retirement. However, there has been a well-documented decline in pensions saving over time. Many people do not think about retirement as they consider it’s too far in the future, and almost two […]