t: 0141 221 4442



‘Retirement’ Archive

Ten tips to make the most of pension freedoms

Planning for retirement in the new pensions landscape The new pension savings market offers much more flexibility and choice post–6 April this year, which is a positive, but it can be overwhelming. For people planning for retirement in the new world of pension freedoms, there are both risks and opportunities – from passing on your […]

Pension earmarking orders

Divorcees may need to take action to protect benefits following pension reforms An unintended consequence of the pension reforms is that any divorcee with a pension earmarking order may need to act fast to protect their benefits. Any earmarking order that provides the ex-spouse with a fixed percentage of the pension income in retirement should […]

Generation Y

More than one in ten would use parents’ pension on mortgage deposit More than one in ten (12%) 20-35 year olds are prepared to ask their parents to access pension savings to help pay for a mortgage deposit, research from Old Mutual Wealth[1] shows. But only half as many over 55s are willing to use […]

Compulsory financial advice

Two-thirds of people aged 55 and over believe financial advice should be compulsory at retirement Two-thirds (65%) of people aged 55 and over who are not yet retired believe that it should be compulsory to receive financial advice at retirement according to findings from Retirement Advantage.

Passing on your pension savings

It’s never been more important to plan whom you’d like to inherit them Your pension is your life savings you’ve built up to give you the retirement you want. Since new pension rules came into effect from 6 April this year, pensions have become more flexible – including a cut in tax when a pension […]

Accumulating wealth for your children or grandchildren

How to give them a financial head start in life as they grow up in the modern world Anyone with children knows there will be lots of demands on the household finances, but when it comes to long-term saving, perhaps for university or a first home, even a small sum can give your child a […]

Changing work patterns

Over-50s retrain for later life retirement funding Nearly two thirds of over-50s workers would consider retraining so they could work longer in retirement, research from MetLife[1] shows.

Planning your retirement income

Will the pension reforms have an effect on retirement planning? Just under a third (30%) of people believe the recent pension reforms will affect their plans for retirement income. Responding to a Schroders survey, of the people who said pension reforms will affect retirement, a significant proportion (45%) said they are likely to consider taking […]

Unlocking the New pension landscape

Are you ready for the responsibilities of being in complete control over all of your money? On 6 April this year, ‘pensions freedom day’, the pension landscape changed forever. From this date for the first time ever, individuals were given complete control over all the money in their ‘defined contribution’ retirement savings plans, whether large […]

With great freedom comes great responsibility

Savers positive about pension reforms but concerned about scams The new pensions freedom rules giving far greater flexibility over what you can do with your pension pot came into force on 6 April 2015.


Independent Advisers (Scotland) Ltd
Independent Advisers (Scotland) Limited is registered in Scotland
Registration No. SC252740

Registered office: 81 St Vincent Street 2nd Floor, Glasgow, G2 5TF
Tel: 0141 221 4442
Email: enquiries@iascotland.com

The material on the site is the copyright material of Independent Advisers (Scotland) Ltd. You may not copy, reproduce, republish, disassemble, decompile, reverse engineer, download, post, broadcast, transmit, make available to the public, or otherwise use Independent Advisers (Scotland) Ltd content in any way except for your own personal, non-commercial use. This includes but is not limited to all individual fund manager data such as rankings of fund managers and ratings of fund managers. Independent Advisers (Scotland) Ltd does not accept any liability for your reliance upon, or any errors or omissions. Any other use of Independent Advisers (Scotland) Ltd content requires the prior written permission of Independent Advisers (Scotland) Ltd.

© 2013 Independent Advisers (Scotland) Ltd. Independent Advisers (Scotland) Ltd is authorised and regulated by the (Financial Conduct Authority no: 432413 and is bound by its rules. Your home may be repossessed if you do not keep up repayments on you mortgage. Will writing is not regulated by the Financial Conduct Authority.