Simplifying and maximising retirement benefits The employment landscape has evolved significantly over the last few decades, and changing jobs multiple times before retirement is now very much the norm. As a result, many people have multiple pensions set up, as they have been automatically enrolled into a new pension scheme each time they have started … Continue reading “Pension consolidation”
The employment landscape has evolved significantly over the last few decades, and changing jobs multiple times before retirement is now very much the norm. As a result, many people have multiple pensions set up, as they have been automatically enrolled into a new pension scheme each time they have started a new job.
Continue reading “Pension consolidation”
Insulating your portfolio from any market uncertaintY Brexit is by no means the only cause of market volatility. Whether you believe Brexit will prove a blessing or a curse for the British economy, it’s important to insulate your portfolio from any market uncertainty.
Brexit is by no means the only cause of market volatility. Whether you believe Brexit will prove a blessing or a curse for the British economy, it’s important to insulate your portfolio from any market uncertainty.
Continue reading “The power of diversification”
Prior preparation is key for a smooth transition into your new life It’s a dream for many that after years of hard work, it’s finally time to travel to far-off lands and enjoy your retirement without worrying about finances. With some planning beforehand, the dream of retiring abroad can become a reality.
It’s a dream for many that after years of hard work, it’s finally time to travel to far-off lands and enjoy your retirement without worrying about finances. With some planning beforehand, the dream of retiring abroad can become a reality.
Continue reading “Retiring abroad”
Make the most of your valuable allowances, reliefs and exemptions Once we enter January, the end of the 2019/20 tax year will be just over three months away on 5 April. As this date approaches, the window of opportunity reduces if you want to make the most of valuable allowances, reliefs and exemptions that could … Continue reading “Tax-wise”
Once we enter January, the end of the 2019/20 tax year will be just over three months away on 5 April. As this date approaches, the window of opportunity reduces if you want to make the most of valuable allowances, reliefs and exemptions that could help reduce your tax bill and make sure your finances stay tax-efficient.
Continue reading “Tax-wise”
Creating and maintaining the right investment strategy plays a vital role in securing your financial future. But we live in the era of the 24-hour news cycle. Human tendency is to prioritise negative over positive news content, and no one is immune from bad news. So as an investor, when you do get it, how … Continue reading “Cultivate the art of patience”
Creating and maintaining the right investment strategy plays a vital role in securing your financial future. But we live in the era of the 24-hour news cycle. Human tendency is to prioritise negative over positive news content, and no one is immune from bad news. So as an investor, when you do get it, how do you process the information, deal with it and move on unscathed?
Continue reading “Cultivate the art of patience”
Pension and asset advice should be part of the divorce process Divorce – it’s one of the most difficult subjects to talk about. The emotional upheaval of divorce can be difficult to deal with, but so too can the financial implications. When relationships come to an end, there are so many things to consider. Children, … Continue reading “For richer, for poorer”
Divorce – it’s one of the most difficult subjects to talk about. The emotional upheaval of divorce can be difficult to deal with, but so too can the financial implications. When relationships come to an end, there are so many things to consider. Children, home and support are naturally the first things you focus on.
Continue reading “For richer, for poorer”
Government’s bid to ensure ‘pension age equalisation’ On 3 October, campaigners lost a significant legal battle against the Government’s handling of the rise in women’s State Pension age. Up until 2010, women received their State Pensions at the age of 60, but that has been increasing since then.
On 3 October, campaigners lost a significant legal battle against the Government’s handling of the rise in women’s State Pension age. Up until 2010, women received their State Pensions at the age of 60, but that has been increasing since then.
Continue reading “Women’s State Pension age changes”
Use your ISA allowance or lose it forever Even though the Individual Savings Account (ISA) deadline may be a number of months away, and despite the tax year date remaining the same year in year out, somehow it always creeps up on us. A tax year runs from 6 April one year to 5 April … Continue reading “Tax-efficient shelters”
Even though the Individual Savings Account (ISA) deadline may be a number of months away, and despite the tax year date remaining the same year in year out, somehow it always creeps up on us. A tax year runs from 6 April one year to 5 April the next.
Continue reading “Tax-efficient shelters”
How much will you need to save to afford a comfortable retirement? There is a widespread and common-sense-based perception, backed to some extent by evidence, that planning and preparing for later life is associated with increased well-being in older age. Despite this, it’s concerning that some people at mid-life have not thought much about their … Continue reading “‘Sleepwalking’ into retirement”
There is a widespread and common-sense-based perception, backed to some extent by evidence, that planning and preparing for later life is associated with increased well-being in older age. Despite this, it’s concerning that some people at mid-life have not thought much about their later life nor taken fundamental future-oriented actions, such as engaging in financial planning or writing a Will.
Continue reading “‘Sleepwalking’ into retirement”
Savers risk missing out on money from their final pension pot Millions of savers risk missing out on money from their final pension pot if their provider doesn’t have their correct planned retirement date. The analysis[1] revealed that workplace pension savers in the UK could miss out on thousands of pounds in retirement because they … Continue reading “Time to update your planned retirement date?”
Millions of savers risk missing out on money from their final pension pot if their provider doesn’t have their correct planned retirement date. The analysis[1] revealed that workplace pension savers in the UK could miss out on thousands of pounds in retirement because they haven’t updated their planned retirement date.
Continue reading “Time to update your planned retirement date?”
Privacy notice
Cookie policy
Website privacy policy
Website disclaimer
Our client agreement
Our complaints policy
© 2025 Roberts Mackie Winstanley. Roberts Mackie Winstanley is authorised and regulated by the Financial Conduct Authority and is bound by its rules. Roberts Mackie Winstanley is entered on the Financial Services Register https://register.fca.org.uk/s/ under firm reference number (FRN) 439624. Registered in England and Wales; Registered Office: Jonathan Scott Hall, Thorpe Road, Norwich, Norfolk, NR1 1UH.
The material on the site is the copyright material of Roberts Mackie Winstanley. You may not copy, reproduce, republish, disassemble, decompile, reverse engineer, download, post, broadcast, transmit, make available to the public or otherwise use Roberts Mackie Winstanley content in any way except for your own personal, non-commercial use. This includes but is not limited to all individual fund manager data such as rankings of fund managers and ratings of fund managers. Roberts Mackie Winstanley does not accept any liability for your reliance on, or any errors or omissions in this information. Any other use of Roberts Mackie Winstanley’s content requires the prior written permission of Roberts Mackie Winstanley. Neither Roberts Mackie Winstanley nor its representatives can be held responsible for the accuracy of the contents/information contained within the linked site(s) accessible from this site.
The information contained within this site is subject to the UK regulatory regime and is therefore targeted primarily at consumers based in the UK. The Financial Conduct Authority does not regulate cashflow modelling, National Savings, tax planning, taxation and trust advice, will writing, estate planning, school fees planning or buy to let business. Making a complaint about our service (see our Complaints policy): Financial Ombudsman Service FOS online: https://www.financial-ombudsman.org.uk/; Tel: 0800 023 4567; Email: complaint.info@financial-ombudsman.org.uk. We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. For more information about the Financial Services Compensation Scheme go to: https://www.fscs.org.uk/what-we-cover/compensation-limits/ or call the Freephone number: 0800 678 1100.
