When you reach retirement age, with interest rates at historic lows, your most important choice will probably be between taking an annuity or using an unsecured pension product to defer that decision, potentially indefinitely. The former will lock in a guaranteed income for you….

The Coalition Government has now confirmed details of the Junior ISA which will be launched in November. Under 18s will therefore be party to the same tax benefits which parents (and all adults) already enjoy.

Research by the Office of National Statistics in 2008 indicated that over one in three marriages now ends in divorce and older divorcées could find themselves at a bigger financial disadvantage….

In an environment of low interest rates, new options have appeared which allow you to avoid chancing your entire hard earned pension fund on the annuity rates available on a single day…

Welcome to the first quarterly edition of our newsletter.