Ski instructors need to plan their pensions too

Once the Easter holidays are over this marks the end of the year’s ski season meaning ski and snowboard schools will begin to wind down. The British contingent of ski instructors and stagiaires, high altitude guides and off-piste experts will be planning to leave the slopes in readiness for the summer.   Winter work means…

Budget gives a clear message to pension savers

No change to pensions tax relief or to the annual allowance is excellent news for those individuals squirreling away their earnings into pensions. This means you can make a contribution of up to 100% earnings, capped at ?50,000. Even non-earners can contribute up to ?3,600 gross into pension, and benefit from basic rate relief. The announced changes…

Small pots with nowhere to go?

Converting your hard earned pensions savings in to an annuity at retirement is anything but simple. Get it wrong and it could cost you thousands of pounds throughout your retirement, and so taking expert advice at the point of no return is a priority. Accessing advice where you only have a small pot is another matter. Some advisers are…