Not If But When
There’s been one story that’s been repeated time and again this year – and for once, it’s got very little to do with the US
Philip Wise
August 8, 2025
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Pensions Are Interesting!
I’ve always found pensions to be an interesting topic of conversation. This might be why I get so few dinner party invites. However, the current
Philip Wise
July 30, 2025
How Frequently Should You Withdraw Money From Your Retirement Savings?
A large number of academic studies have looked into the best ways to make withdrawals from retirement savings, so that your money doesn’t run out
Philip Wise
June 23, 2025
Why the First Years Of Retirement Matter Most for Your Pensions and Investments
When it comes to planning for retirement, most people focus on how much they’ve saved and what kind of return they can expect from their
Philip Wise
June 10, 2025
Why You May Wish To Consider Increasing Your Exposure To Risk As You Get Older
A common assumption for studies about the sustainability of income in retirement is that the asset allocation (i.e. the proportions in shares, cash, property and
Philip Wise
February 4, 2025
Sussex Retirement Planning’s Budget Guessing Game
It sounds like the Chancellor will be raising taxes when she announces her first budget on 31st October. However, prior to the election, she ruled
Philip Wise
August 15, 2024
New Government Announcement Surprises Nobody!
In the least surprising of her statements since becoming the Chancellor, Rachel Reeves announced she is scrapping reforms to adult social care in England that
Philip Wise
August 7, 2024
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
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