
Blog
Insights from the Charles James team
Over 50s Failing to Put Extra Income into A Pension
Many older workers are expecting to use inheritance money or property sales to boost their retirement funds, as saving is becoming more difficult.
Checking Your State Pension
Many are being advised to check their state pension forecast in advance, in order to avoid disappointment and give themselves time to prepare.
Mortgage Repayment Periods Extend
38 of all mortgages taken out in 2017 will not be paid back until the borrower is at least 65.
Drawdown Pensions and Financial Advice
An increasing number of people are taking out drawdown pensions without seeking financial guidance.
How Long Does The Triple-Lock Pension Have Left?
With the Government’s U-turn on scrapping Triple-Lock, just how long can the state pension policy last for?
What Does A Hung Parliament Mean For Your Finances?
An unexpected result in the General Election has left uncertainty surrounding key policies, particularly involving personal finance.
Personal Finance and The 2017 General Election
As the date for the General election approaches, we take a look at what Labour and the Conservatives have included in their manifestos regarding personal finance.
Most Britons Expect to Work Past the Age of 65
The majority of Britons expect to work past retirement age as worries about the size of pension pots surface.
Possible Changes to the Pensions Triple Lock
The Government is considering replacing the Pensions triple lock, which guarantees a minimum yearly increase in the state pension.
Preparing Your Small Business for Auto-Enrolment
Is your small business prepared for auto-enrolment? Here's what you need to get in place ahead of your staging date...
Will Your Pension Be Sufficient?
Just 36% of people believe that their pension will provide a good retirement.
1 in 4 to Retire With Debt This Year
A quarter of those retiring this year will do so with outstanding debts according to a report from the Prudential.
UK Government to Set Up Central Financial Advice Service
Replacing the Money Advice Service, a new government body will provide financial advice on pensions, debt and other money issues.
How Much Should You Withdraw From Your Pension?
Financial experts are worried about the amount of money that retirees are withdrawing from their pensions, so just how much is safe to withdraw?
New Rules on Inheritance Tax
With more UK families paying inheritance tax than ever before, the government has introduced new rules for the inheritance tax free allowance.
Pension Freedom Withdrawals Hit New Heights
Financial experts worry as pension withdrawals accelerate.
The Millennial Wage Gap
Millennials could become the first generation to earn less on average than the generation before them.
Making the Right Pension Decisions
If you have been paying into a pension, you will now have full access to it once you turn 55. The question is, what will you do with it?
How Much Should I Be Saving into a Pension?
We are constantly being reminded to save money for retirement, but just how much should we be saving?
Lifetime Isas
Chancellor George Osborne’s Budget included a new lifetime Individual Savings Account (Isa) designed to incentivise young people to start saving for their first home or pension.