smartmoney summer

smartmoney July August 2018

Welcome to our latest issue of smartmoney.

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The summer edition brings you an array of insightful articles covering everything you need to help plan your finances, both before, during and after retirement.

  • p. 03 Transferring ISAs – Time to bring your investments together?
  • p. 04 Back to the future – Visualising what really matters to you is the key to the planning process
  • p. 06 Driving towards the next phase of your life – Getting the date right can help you reach your destination sooner
  • p. 08 To transfer, or not to transfer? – What to consider before making this big decision
  • p. 09 When I’m, gone – How a simple list can help your loved ones after your death
  • p. 10 Protecting you and your family’s finances – Top reasons people gave for not taking out protection
  • p. 11 Averting a later-life financial crisis – More retirees drawing pensions without LPAs
  • p. 12 ISA Rules and inheritance tax – Families set to pay millions in unnecessary tax

Have you ever thought about writing a letter to yourself to describe your ideal future life, long-term life goals and the process of how to plan for them? In this edition we look at how imagining what you want your life to be like in the long term when you retire can help you think much further ahead than you might ever have done before. If you have accumulated a number of Individual Savings Accounts (ISAs) over the years, keeping them all in one place could give you better control and help you save money. There’s a common misconception that you can’t move existing ISAs from one provider to another. The article on ‘Transferring ISAs’ is on page 03.

At some point, you’ll say ‘goodbye’ to your co-workers, get into your car and drive towards the next phase of your life – retirement. But when will that be? On page 06, we consider your move to retirement – it’s one of the most important decisions you’ll ever make, so it’s not surprising that determining the date is harder than you may expect. A full list of the articles featured in this issue appears opposite. We hope you enjoy reading this edition, and if you would like to discuss or review any areas of your financial plans, please contact us. We very much look forward to hearing from you.


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