Archive for the Retirement Category

Would you like Something for Nothing?

AAM UK Pension Audit
Would you like Something for Nothing? If you don’t have your Optimum Pension, your retirement security may be at risk. Would you like us to help to check this – with no charge or obligation? It’s possible you paid a high price for your pension, you’re paying [...]Read more

Another Year, Another UK Budget

Back in November 2016, the then relatively new Chancellor announced an end to Spring Budgets after the one due in March 2017. A new cycle is now in place, with March 2018 having seen Mr. Hammond present a relatively brief Spring Statement. Whereas his predecessors had often turned the Autumn Statement into a second unofficial Budget, Mr. Hammond is aiming for major tax changes to be announced only once every 12 months, well ahead of the start of the tax year.

It is rumoured that the next Budget could come as early as October.

So, what can we expect…?

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Should you Transfer your Final Salary Pension?

Sometimes referred to as a Defined Benefit (or DB) pension, with final salary pensions your former employer will pay you a guaranteed fixed income from the day you retire until the day you die. If your spouse survives you, they will receive a reduced pension for life.

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The Intricacies of the Old and New UK State Pension System

For UK expats, the state pension is an important consideration when planning your retirement income. Working out your entitlement has become more complex following changes to the UK State Pension in 2016. This change is complex and there are transitional arrangements which try to ensure that no one is disadvantaged by the move to the new rules.

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Retirement Income Warning

While retirement certainly brings about its share of unknowns, perhaps the most daunting prospect associated with this stage of life is the potential to run out of money. That fear is so widespread, in fact, that 60% of baby boomers are more worried about depleting their nest eggs prematurely than actually dying.

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Will Keeping your Self-Managed Super Turn into a Nightmare?

Did you follow all the advice about putting money away for your retirement? Having consulted your accountant did you decide to setup a Self-Managed Super Fund (SMSF)? If you did and then you moved overseas for a few years you urgently need to seek advice as your SMSF may become non-complying and this could be a very expensive mistake.

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Top Retirement Planning Tips for Married Couples

Making sure your partner is financially comfortable in retirement goes a long way towards safeguarding your future happiness together. Here are our top pension tips for married couples.

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Will you be able to Afford the Retirement you want?

Given that retirement income will be needed for 20, 25 or even 30 years after you stop working, retirement planning is a pretty important issue. Read more to find out what are the most effective ways to prepare for your retirement.

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Have you lost your Super?

There is currently $11.7 billion sitting in lost Super accounts. If you have lost track of a Super, some of that money could be yours.

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A New Year, A New Pension?

With a new year comes a fresh opportunity to get your finances in order, and with more than 90% of Britons not saving enough for the retirement income they are aiming for, why not take the opportunity to focus on your pension?

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