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The Power of Pensions
When planning for retirement, it’s important to understand how the financial vehicles you choose can significantly affect your nest egg and the income it provides. Let’s explore the journeys of two hypothetical investors, David and Sarah, to illustrate the impact of their investment choices over their working lives…
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Investing – What is the value of Financial Advice?
It has never been easier to manage your own money. Online platforms, and a wealth of information at the touch of a button, mean that investments are accessible for everyone. Often, investments alone do not make a financial plan. A clear strategy is needed to navigate the options and help…
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Sustainable – Investment funds for the modern world
Typically, in the past, sustainable or ethical investing has been categorised as being for the minority however, research is showing that more and more people are investing in sustainable funds and not only that, in some instances they are out-performing traditional funds. As time goes on this sustainable or ethical…
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The IOM Pension Freedom Scheme (PFS) – What is it?
In February 2018, the Isle of Man’s Treasury Minister, the Hon. A L Cannan, MHK, introduced new legislation aimed at increasing pension flexibility. The changes became effective on April 6th, 2018, allowing greater freedom in accessing pension benefits and providing more significant tax relief. Like other pension schemes, the PFS…
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Isle of Man State Pension – how does it work?
When talking about pensions, people can often be referring to the state pension scheme that is provided by the government. This type of pension scheme has often been subject to a lot of confusion as to what it really does, how you accrue the credits required to have the…
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COVID-19: What it means for pensioners
From the outset of the Coronavirus pandemic, it became clear that older people are more vulnerable to the disease. The over-70s and anyone with underlying health conditions have been advised to isolate as much as possible. While we are not medical experts, we strongly recommend following professional advice. Besides the…
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Wills, trusts and powers of attorney
While many clients understand the potential of an investment plan, or the tax-efficiency of a pension, estate planning is a less exciting prospect. No one wants to think about their own mortality, and taking steps to plan for death can seem like tempting fate. But rather than dwelling on the…