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Insights from the Charles James team
Financial Planning for Retirement
If your plans for the future have felt stalled recently, now might be the ideal time to revisit and reignite them…
Retirement Planning: Building a Comfortable Nest Egg
Retirement is something that seems to approach often out of nowhere. The classic saying, the earlier you start, the better is definitely one that rings true, so how do you actually go about putting a retirement plan into place?
How Much Money is Enough? Understanding Your Retirement Finances
Retirement is an exciting phase, filled with opportunities to pursue your passions, travel, and spend quality time with loved ones. However, to truly relish the freedom that retirement offers, it's crucial to gain a clear understanding of how much money is enough to sustain your desired lifestyle.
Retirement Planning - How to Secure Your Future
Retirement is a significant life event that requires careful planning to ensure a financially secure and fulfilling future. Regardless of your situation, retirement planning shares common principles and steps that are essential for setting yourself up for success.
Here, we will explore the key factors and actionable strategies worth considering when planning for retirement.
3 Things to Know About Retirement Planning in 2022
Saving for retirement can be a daunting prospect. There are many different planning options and the amount needed to save comes down to the individual. According to one study, just 12% of under 55s have set a target for their pension pots—meaning around 18 million UK adults could potentially be heading for a retirement nightmare.
That's why we are here to break it down with 3 things you need to know about retirement planning.
Top 5 considerations when preparing for retirement
After years of hard work, the time has finally come to begin thinking about retirement and it pays to be prepared as retirement nears.
When Can You Claim Your State Pension?
The State Pension conditions have gradually changed, leaving many confused as to when they are allowed to claim it and how much they are entitled to.
Pension Beneficiaries and Your Will
Being aware of the rules around leaving your pension to a beneficiary after you die can avoid lost money or confusion with wills.
Pensions in 2019
It’s never a bad time to save money into a retirement fund, however there are big changes coming to pensions in 2019, which you may want to read up on…
Charles James Named in FTAdviser's Top 100 Financial Advisers 2018
Charles James Financial Planning is delighted to announce our inclusion into FTAdviser’s Top 100 Financial Advisers 2018!
UK Government To Address Pension Tax Anomaly
The Treasury has confirmed that it is looking at ways to change some of the ways in which pensions tax relief is provided.
No-Deal Brexit: Pensions, Savings and Mortgages
Just seven months remain until the UK leaves the European Union, and with an ever increasing chance of a “No-Deal Brexit”, we take a look at what that means for you.
Pensions: The Basics
Many people, especially young people, put off contributing into a pension as they just aren’t sure how and why they should. Here are the basics of pensions to help you maximise your retirement fund.
What The Interest Rate Rise Means For You
Despite the base interest rate increasing in November 2017 - the first increase in more than a decade - the Bank of England has announced another increase.
12% of Your Salary Should Be saved Into A Pension
According to a new report, workers should be saving at least 12% of their annual wage into a pension.
5 Things You May Not Know About Wills
With a huge number of adults in the UK not having written a Will yet, we take a look at some key pieces of information around Wills that you may not know…
Over 40s Urged To Make Up Pension Deficit
Hundreds of thousands of over 40s are at risk of being left short when it comes to their retirement savings.
Get Advice Before Withdrawing From Your Pension
Pensions freedoms have brought financial flexibility for those entering retirement age, however you must be aware of the consequences of withdrawing lump sums from your pension pot, especially if you plan on doing so before retirement age.
35 Year Olds Should Have Double Their Salary in Savings
According to a leading investments firm, workers should have double their annual salaries in savings by the time they reach their mid-30s.
25% of Pensioner Households Have Zero Savings
Latest government figures reveal that a quarter of all pensioner households have no money saved for retirement.