Why do you want to invest?
by libertas2019 on May 1, 2019
Reaching specific life goals requires planning
If you don’t know where you want to go, you’ll find it tricky getting there! Investment goals cover everything from the old adage of saving for a rainy day to planning for a comfortable retirement.
read moreState pension
by libertas2019 on May 1, 2019
Half a million workers past pension age could be paying unnecessary tax
A significant number of people working past the state pension age could be paying unnecessary tax on their state pension, according to new research[1]. This is because they failed to take up the option of deferring their state pension until they stopped work. As a result, their entire state pension is being taxed, in some cases at 40%.
read moreMaking plans for your retirement
by libertas2019 on May 1, 2019
Tailored to match your particular needs and aspirations
One of the most important stages in life which everybody has to save for is retirement. We work hard to enjoy our current lifestyle but are we doing enough to ensure that we can continue to enjoy it in our retirement? Many of us live for today, but saving into a private pension plan can help us retire sooner rather than later.
read moreIncome protection insurance
by libertas2019 on May 1, 2019
Cover for you and your family finances
It’s important to be able to keep your finances healthy as you recover from an illness or injury. Being unable to work can quickly turn your world upside down. No one likes to think that something bad will happen to them, but if you couldn’t work due to a serious illness, how would you manage financially? Could you survive on savings or sick pay from work? If not, you may need some other way to keep paying the bills – and you might want to consider income protection insurance.
read moreWhole-of-life insurance
by libertas2019 on May 1, 2019
Guaranteed tax-free payment whenever you die
Whole-of-life policies tend to offer the policyholder lifelong protection and are designed to give you a specified amount of cover for the whole of your life and pays out when you die.
read moreBank of Mum and Dad
by libertas2019 on May 1, 2019
Innovative products to be created for would-be home owners
The Building Societies Association (BSA) have recently published a raft of recommendations as to how the mortgage industry can support the Bank of Mum and Dad in their endeavours to help first-time buyers onto the property ladder.
read morePreparing for your upcoming retirement
by libertas2019 on May 1, 2019
Considering the practicalities of fulfilling your desired lifestyle
If you are aiming to retire within the next five years, its time to get into the mindset of considering the practicalities of fulfilling your desired lifestyle and making plans.
read moreNew tax year
by libertas2019 on May 1, 2019
The key changes you need to know
You want to pay the minimum amount of tax legally possible. We want that for you, too. The 2019/20 tax year started on 6 April and in general taxpayers will have more money in their pocket after increases to allowances came into force, but there are a few losers, in particular those selling shares and buy-to-let landlords.
read moreLong-term care insurance
by libertas2019 on May 1, 2019
Meeting the cost of residential and nursing care in old age
Long-term care insurance provides the financial support you need if you have to pay for care assistance for yourself or a loved one. It involves a variety of services designed to meet a person’s health or personal care needs during a short or long period of time. These services help people live as independently and safely as possible when they can no longer perform everyday activities on their own.
read moreDisclaimer: The information provided in our website blogs is accurate and up-to-date at the time of writing. However, please be aware that legislative changes and updates may occur after the publication date, which could potentially impact the accuracy of the information provided. We encourage readers to verify the current status of laws, regulations, and guidelines relevant to their specific circumstances. We do not assume any responsibility for inaccuracies or omissions that may arise due to changes in legislation or other factors beyond our control.
If you would like any clarification, or have any questions, please get in touch.
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