Latest News: Uncategorised

News and views - articles covering the latest Teachers Pension, Teachers AVC and general financial planning news.

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Pension Freedoms: an increase in pension withdrawals

23/06/2019 Racheal Smith

According to FCA statistics, the total amount of withdrawals from pensions has risen since April 2015 when the pension freedom laws were passed. An increasing number of people aged 55 or over have b[...]

The Importance of Retirement Saving

31/05/2019 Racheal Smith

The idea that time flies seems like an urban myth when you are young. However, you get to a certain age, and it can feel like you went to bed in January and woke up in May. With what seems like no[...]

You may be young, but that doesn’t mean you can go unprotected

05/05/2019 Racheal Smith

It is easy to feel secure when you are young. The prospect of end-of-life issues and concerns seem a long way off. However, your financial advisor would likely want to encourage you to take out in[...]

Are you claiming tax-free childcare?

02/05/2019 Racheal Smith

Only a small proportion of families in the UK are claiming tax-free childcare, according to data released in December 2018 by the Government. The Department of Children and Families claimed that a mer[...]

Is there such a thing as teacher mortgages?

28/03/2019 Racheal Smith

Did you know that in the US you can get impressive deals as a teacher? You can get up to a 50% discount on a home in the “Good Neighbor Next Door" scheme, and there are savings for "Heroes", which i[...]

A need for better education in financial planning?

27/03/2019 Racheal Smith

The problem in need of a teacher of financial planning The BBC in March 2018 declared there was a striking weakness in adult financial skills. Reporting on a study by Cambridge University and Unive[...]

Are you thinking of moving to a new house?

13/03/2019 Racheal Smith

Moves are afoot to help manage rises in house-prices. The government are to consult on a new stamp duty surcharge. This research focused on understanding why people struggle to get on the proper[...]

GDPR: Your data rights

05/03/2019 Racheal Smith

What is GDPR? General Data Protection Regulation (GDPR) is an EU regulation that puts an umbrella over the data privacy laws in member countries. This idea brings all nations within the same regu[...]

Could you avoid an ISA tax charge?

25/02/2019 Racheal Smith

Is it possible that you could be paying tax unnecessarily on an inherited ISA? There is a tax break intended to help bereaved partners, whether this is a spouse or a civil partner. The tax break w[...]

Over 50s consider a transition to retirement

23/02/2019 Racheal Smith

Opinium, in collaboration with Aegon, has polled over a thousand over-50s professional, earning £20k or more. They found that almost half of these workers would prefer to adapt the hours they work be[...]

Have you written a Will?

26/01/2019 Racheal Smith

According to a survey by Royal London, more than half of us have yet to write a Will. A Will is a means of providing for our beneficiaries or for the causes we wish to support. It also includes in[...]

All about AVCs

22/01/2019 Racheal Smith

Additional Voluntary Contributions (AVCs) for teachers are a means of boosting your financial health in retirement. As the name suggests, these are additional payments you may wish to contribute vol[...]

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