27 Nov 2020

Stock market crashes create anxiety for investors, especially those who – like most retired people – are withdrawing regular sums from their investments to provide the income they need. But FiveWays’ retirement income planning strategy, which we call ‘bucketing’, means clients are insulated from all but the very worst possible stock market disasters.

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Posted by Chris Gilchrist
2 Oct 2020

Save tax in retirement How using the correct sequence of withdrawals from your capital can save tens oif thousands in tax. Chris Gilchrist and Charlie Lane explain.

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Posted by Chris Gilchrist
27 Aug 2020

Ian Evans, Head of Later Life Advice at Fiveways Financial Planning, talks to Chris Gilchrist about how to identify scams aimed at the elderly and the right way to use Lasting Powers of Attorney.

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Posted by Chris Gilchrist
21 Jul 2020

All you need to know about inflation with Chris Gilchrist

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Posted by Chris Gilchrist
21 Mar 2019

According to some conspiracy-theory American websites, the world is so overloaded with debt that it will have to undergo a blast of high inflation to reduce the real value of that debt and set consumers and governments free from their debt burdens.

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Posted by Chris Gilchrist
13 Feb 2018

The austerity years produced many small changes to the tax and benefit system that cut people’s entitlements. One of them was the restriction of child benefit payments where either parent earns over £50,000 a year. For every £100 of earnings above that level you lose 1% of your child benefit – in fact you still get the benefit paid, but part of it is clawed back from higher income tax payments via your tax code. If you earn over £60,000 you get no child benefit at all.

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Posted by Jim Bloodworth
13 Feb 2018

A rising tide of pension scams is an unwelcome consequence of the ‘pension freedoms’ introduced in 2015. Because people can now get access to their whole pension fund if they wish once they reach age 55, it is worth fraudsters’ while to try and persuade them to transfer this money to dodgy investment schemes. Such frauds, where victims have lost all the money they had in their pension fund, are reported in the Press almost every week. Mostly, they involve investment in schemes or companies that transfer your money to the fraudsters.

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Posted by Jim Bloodworth