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 […]

Sacrifice for the greater good

Pensions auto-enrolment is one of the most important developments for employers currently coming into effect. Businesses with fewer than 50 employees must implement the process from 1 June 2015. As a consequence, employers will be looking to maximise tax reliefs, while employees will also seek to join the scheme in the most cost-efficient manner possible. A salary sacrifice arrangement will […]

Selling your business

Plan ahead for entrepreneurs’ relief
Entrepreneurs’ relief can be very valuable, potentially reducing the capital gains tax when selling a business from a rate of 28% to 10%. However, the relief is only available as long as the qualifying conditions are met. Because the conditions generally need to be met for 12 months prior to the disposal or the cessation of […]

Pension freedom

The most radical reforms this century
In Budget 2014, Chancellor George Osborne promised greater pension freedom from April next year. People will be able to access as much or as little of their defined contribution pension as they want and pass on their hard-earned pensions to their families tax-free.

For some people, an annuity may still be the right option, whereas others […]

Helping You To Achieve The Retirement You Want

Getting ready for retirement doesn’t start in the days and weeks before you stop work. With professional advice, regular reviews, and taking action when you need to, we’ll help you keep your retirement plans on track.

If you would like to review how we could help you take control of your financial future and plan to achieve the retirement you want, […]

How to Protect Your Financial Position During a Divorce

Your pension can be the next biggest asset in a divorce after the family home, so it is important that it’s not overlooked. It can be split in various ways and it’s worth understanding the different options.
Beginning again following a divorce can be a daunting time, not to mention a busy one, but it’s crucial that newly single people review […]

The changing nature of retirement

Looking for an alternative to buying an annuity?
When you want to access your pension pot, you have several choices. The right choice for you will depend on a number of different elements, such as your tax position, whether you have a partner, your attitude to risk and even your health.

On reaching retirement, you can buy an annuity to turn your […]

Will you enjoy your retirement?

How to improve your golden years no matter what your current stage of life
Retirement may seem a long way off for you at the moment but that doesn’t mean you should forget about it. Consider our tips, which could help you increase your retirement income – no matter what your current stage of life – and pursue the retirement you […]

Impending new lifetime allowance limit changes

If you are making high levels of pension contributions you will need to obtain professional financial advice to make sure that you know whether you will be affected by the impending new lifetime allowance (LTA) limit changes. Thousands of pension savers could be impacted by the forthcoming changes unless they act swiftly.
Your total pension savings
You should check what the value […]