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10 Questions with Robson Laidler Wealth Director Neil Cowie

What was your first break in business? Getting a call to discuss the new financial planning advice business being set up by Robson Laidler in 2005. 2. What did you want to be growing up? Airline pilot – I’m still a bit of a plane spotter! 3. What attracted you […]

Wealth Director Neil Cowie

Pensions – “Are you saving enough?”

Great programme which clearly shows that, for various reasons, the bulk of the population are putting planning ahead on the back burner. We would just highlight the need to have a plan in place, even just a basic one and not to put this off. A good watch regardless: ITV […]

Tens of thousands entering retirement each year without taking advice

New analysis from the Association of British Insurers (“ABI”) shows very low levels of retirement readiness. This isn’t really surprising to us but continues to be a bit worrying! Of the 62,000 people accessing some of their pension via drawdown for the first time during a 6 month period, 34% […]

retirement advice

North East Medical Professionals – are changes to pension tax rules affecting you?

Has anyone noticed the increase in the number of articles lately relating to doctors and their pensions? One of the more recent headlines this April was the British Medical Association warning the Chancellor that senior doctors would have to cut their NHS working hours if the recent changes to pension […]

NHS Pension Blog

Can I order a prescription for financial piece of mind?

We know / that as busy medical professionals, it’s difficult to find time to prioritise your own plans.  For most doctors, your NHS Pension will underpin your plans to reduce hours/stop work altogether later on. However, there have been so many changes to the NHS Pension and pension legislation in […]

NHS Pension

When Is Your Financial Independence Day?

If you are like me you may sometimes think about what life will look like in the future when you don’t have to work?  You may think of the hobbies you have or will take up or the extra time you can spend with your family.  You may be considering […]

Tax year end planning 2019 – Recycle savings into a more efficient tax wrapper

With tax year end just around the corner, it’s time to check you are making the most of your tax reliefs and allowances to save for a brighter future. You may want to consider: No bonus? No problem: recycle savings into a more efficient tax wrapper As mentioned in our earlier […]

Tax year end planning 2019 – Bonds: cash in bonds to use up your Personal Allowance/starting rate band/Personal Savings Allowance and basic rate band

With tax year end just around the corner, it’s time to check you are making the most of your tax reliefs and allowances to save for a brighter future. You may want to consider: Bonds: cash in bonds to use up Personal Allowance/starting rate band/Personal Savings Allowance and basic rate […]

Tax year end planning 2019 – Investments: take profits using Capital Gains Tax annual allowances

  With tax year end just around the corner, it’s time to check you are making the most of your tax reliefs and allowances to save for a brighter future. You may want to consider: Investments: take profits using CGT annual allowances If you are looking to supplement your income […]

Tax year end planning 2019 – Recover your personal allowances and child benefit

With tax year end just around the corner, it’s time to check you are making the most of your tax reliefs and allowances to save for a brighter future. You may want to consider: Recovering personal allowances and child benefit Pension contributions reduce an individual’s taxable income. In turn, this […]