What’s The Point Of All Those Cashflows, Spreadsheets and Investment Recommendations?
There is a lot of focus on the “numbers” in retirement planning. And a lot of focus on the specific tools and techniques that you
Philip Wise
July 12, 2024
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What If Pension Tax Free Cash Were Removed?
There has been plenty of speculation in the media recently that the next government will remove the tax free lump sum from pensions. Readers of
Philip Wise
July 4, 2024
What Expenditure is Essential?
In its recent Retirement Income Advice Review, the FCA referred on several occasions to “essential expenditure”; for a long time, we’ve used the same term,
Philip Wise
June 14, 2024
The Problem with Retirement Income Planners
I think that retirement income planners are generally great people. Particularly if they are based in Sussex… But there’s a fundamental problem with all retirement
Philip Wise
June 7, 2024
The Second Most Important Election of the Year – Campaigning Starts
Last week, a soggy Rishi Sunak set the date for our election. For UK investors, the date of the most important election has been known
Philip Wise
May 31, 2024
Joni Mitchell Retirement Advice
A bit of serendipity this last week. I was reading an article from some of our American friends (ThinkAdvisor) when Joni Mitchell’s “Big Yellow Taxi”
Philip Wise
May 20, 2024
Retirement Income Advice Review
The FCA recently announced the results of its review of Retirement Income Advice. My immediate reaction was to be flattered – it was great to
Philip Wise
April 26, 2024
New tax year, new challenges, extra chocolate
The most recent budget didn’t seem to be the most exciting. No major changes were announced, which felt like a relief for most financial planners.
Philip Wise
April 9, 2024
Should you be including more in your retirement budget for healthcare?
In the UK, we’ve been in the fortunate position of having free healthcare for most things as a result of our National Health Service. As
Philip Wise
March 25, 2024
Frugal or Tight?
I listened to a podcast this week about Ingvar Kamprad, the founder of IKEA. He’s a fascinating character, but what struck me was how he
Philip Wise
March 12, 2024