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Dec 9, 2013

Maybe Life Isn’t So Long After All!

Life expectancy has risen significantly since the state pension was introduced. Surprisingly the most recent prediction from the ONS indicates a fall in our longevity. Predictions for life expectancy are critical in the determination of annuity rates and equity release loan to values.
1 min
Nov 25, 2013

Independent Advice is Best Advice

Financial experts on retirement provision reveal that too many people are not shopping around for the best annuity rate. As a result their pension incomes are lower than they could be. A large proportion of those in retirement are also planning to make use of their properties to top up their pensions via downsizing or equity release. To secure the best plan, it is important for them to take independent financial advice.
12 min
Nov 12, 2013

Securing Your Future

Providing for the future: are you prepared for retirement? Many people do not have a long term retirement plan or, for some, the options may not be entirely clear.
1 min
Jul 22, 2013

Reverting to Childhood

There is a saying that we revert to our childhood when we get older. This may or may not be true. It would perhaps be rather pleasant if we do, particularly if life becomes more relaxed and straightforward. However one aspect which we hadn’t expected is revealed in a recent study by insurance provider LV=.
1 min
Jun 13, 2013

Compensating for Falling Retirement Incomes

Figures released by a leading annuity provider (Partnership Assurance) have revealed that people’s income when they stop working is likely to have reduced by at least one third. The fall will be making life extremely tough for many of them, and they certainly will not be able to enjoy their retirement years in the manner […]
1 min
Apr 3, 2013

Equity Release – Reducing Poverty In Retirement

Having been an equity release adviser for nearly ten years, there are two observations which stand out above all others in my mind:
1 min
Mar 18, 2013

150…………. Not Out

Many of us older citizens have probably dreamt of making a cricket score of over 150- a few of us might even have done so, perhaps during schooldays, and it will have been a wonderful and lasting memory for them.
1 min
Aug 15, 2011

Equity Release Can Mitigate The Impact of Stock Market Fall

The sharp fall in the FTSE during August will have come a yet another nasty shock for many  investors who are approaching state pension age. With savings rates at an all- time low and a lack of suitable safe alternatives, many of those approaching retirement will have remained invested in equities in anticipation of some […]
1 min
Oct 7, 2010

A Way of Borrowing in Retirement

Although the so called austerity measures announced by the Government are designed to cut public spending and get the economy back on track, the reality is the average homeowner is still facing serious financial difficulties even before the inevitable cuts come into force; especially those in retirement. Banks are still not lending and they are fearful that people will default on their loans. But what is the solution? One ever popular option for those over 55 is equity release.
1 min