One of the most important steps in retirement planning is taking a personalised approach that takes into account your current financial situation, retirement goals and lifestyle preferences. It’s never too early or too late to start planning for retirement, and the earlier you start, the more time you have to save and invest for the future.
Continue reading “Taking a personalised approach”
Achieving financial security in retirement takes significant planning and foresight. Many retiree pensioners grapple with balancing their retirement income against the constant erosion caused by inflation. For those relying on a pension, this challenge can make the already complex task of maintaining a comfortable lifestyle seem even more daunting.
Continue reading “Complex task of maintaining a comfortable lifestyle”
The concept of retiring is an attractive prospect for many people. Having the freedom to enjoy life and pursue hobbies or interests without the pressures of a 9-5 working life can be hugely appealing. However, it’s important to make sure that you have your finances planned out in order to make this dream of retirement achievable.
Continue reading ““Are you ready to retire?””
The rising cost of living due to inflation means that retired people must have enough savings to survive. This leaves many retirees in a precarious financial situation, as the value of their existing retirement funds is not keeping up with the rate of inflation. Even if they had saved diligently for their retirement years, the devaluation of their money can drastically reduce their purchasing power. This is leading many people to rethink their retirement plans.
Continue reading “Working beyond State Pension age”
As retirement approaches, planning for the future becomes increasingly important. Many retirees who are currently living on a fixed income are being impacted by inflation, which can negatively impact their ability to make ends meet.
Continue reading “Different levels of expenditure needed for retirement”
Chancellor Jeremy Hunt’s first proper Budget 2023, on Wednesday 15 March, brought some welcome but unexpected changes to pension tax. The changes are designed to alleviate the impact of strict pension rules, which are believed by Mr Hunt to have had a negative impact on the country’s labour market.
Continue reading “Abolition of the pension Lifetime Allowance”
When making contributions to your pension, it’s important to keep in mind that there’s a limit to how much you can contribute each year without incurring additional taxes. This limit is known as the pension Annual Allowance.
Continue reading “Annual Allowance increased from £40,000 to £60,000”
Pensions may not be the most exciting thing to think about, but they are an essential part of planning for your long-term future. In fact, your pension has the potential to be one of your most valuable assets, even more than your property. It’s something that could make a significant difference to your lifestyle in later life.
Continue reading “Planning for your long term future”
Are you struggling to decide what to do with your pension pot? It’s an important decision that will impact your retirement for years to come. One option to consider is pension drawdown, which provides you with more freedom and flexibility in choosing your annual income. However, annuities offer a steady income and greater security.
Continue reading “Investment growth and a guaranteed pension”
For many women, the decision to work part-time often coincides with important career and childcare milestones. While pension contributions may not be the deciding factor for this decision, it’s important to understand the long-term impact on pensions. This knowledge is crucial for good financial planning.
Continue reading “Making informed decisions”
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.
