AD Plus

Retirement

Pension Freedom means more personal responsibility

Although many people welcome the additional choice offered via the new pension regulations, you now have much more responsibility to make sure your pension pot will last for your retired lifetime. That’s a daunting responsibility because that could mean planning for 20 years of spending with no earnings – just living off your pension income.

Our latest guide provides a plain-English […]

Expect Even More Changes to Your Pension This April

We know you want to make the most of your retirement. Whether it’s spending precious time with your friends and family, travelling to far‐flung destinations, or pursuing a new and exciting hobby, your pension is a key piece of the puzzle.

And with so much changing over the last year, it can be hard to keep track of everything pension‐related.

New freedom […]

ad+ Smart Money for November/December 2015

Confused about retirement planning?
If you are feeling confused about your retirement planning options it’s not surprising. Massive changes have taken place during the past year with the introduction of ‘pension freedoms’. Despite the confusion, it remains essential that you make adequate financial provision for retirement. We consider your options on page 8 of this edition of ad+ Smart Money magazine.

This […]

Guide To Wealth Goals

How to save for a rainy day and plan for a comfortable retirement.
Reaching wealth goals and achieving personal ambitions are major objectives of the financial planning process. In order to make plans for the future, you need to know where you are today and where you want to be in the future.

Wealth goal-setting is very much like creating a business […]

ad+ Smart Money magazine (July/August 2015)

View the July/August 2015 magazine here.

Inside the latest issue of our magazine we look at how the new pension savings market offers much more flexibility and choice post–6 April this year, which is a positive, but it can be overwhelming. For people planning for retirement in the new world of pension freedoms, there are both risks and opportunities – from passing […]

Make the most of pension freedoms with our top 10 tips

Planning for retirement in the new pensions landscape

The new pension savings market offers much more flexibility and choice post–6 April this year, which is a positive, but it can be overwhelming. For people planning for retirement in the new world of pension freedoms, there are both risks and opportunities – from passing on your pension to loved ones, to […]

Practical advice to sort out your finances

Our new edition of ad+ Smart Money magazine offers a range of articles containing practical advice and insight on some important personal financial planning issues:

Sort out finances with practical tips
Your questions answered about Pensions Freedom
Where in the world should you invest?
Gender disparity affects post-retirement financial planning
Hunting for more investment income?
How to get a clear long-term view of your finances

Download your […]

Informed insight on financial and tax planning issues

This is such an important time of year for taking action on a number of financial and tax planning opportunities, especially for business owners who want to accumulate and preserve personal wealth.

Many companies throughout Central Scotland are enjoying an upturn in trading, including those within the construction and leisure sectors. ad+ is helping business owners within Glasgow and Lanarkshire to […]

How to cope with job and financial uncertainty

In Scotland as throughout Europe, most workers now face a significantly longer life in employment than their parents or grandparents. Across 48 years of working[1] a typical individual entering the workforce today might expect to have nine full or part time jobs – and on average at least one major career change! Research from LV= shows a sharp shift from […]

Confusion Over New Retirement Income Choices

Many people in Glasgow and Lanarkshire do not yet fully understand the significance of the new retirement income choices. At ad+ we often find that even some experienced business owners do not appreciate the significance of the changes available for retirement income from 6th April 2015.

According to a recent ‘Real Retirement’ survey (full sources and references below) by Aviva more […]