Many of pension freedoms’ true challenges yet to surface

I sat open-mouthed in the House of Commons four years ago as George Osborne announced the end of a national retirement system based on annuities. Three years on from the law change, several trends are clear. Overall, we remain in what I call ‘Income Drawdown’s Phoney War’: as long as the vast majority of retirees … Continue reading “Many of pension freedoms’ true challenges yet to surface”

Why I need a financial adviser

Combining risk frameworks with appropriate asset allocation is no mean feat. Economists call them “teachable moments” – life events which make us think more about long-term financial planning. Until my 40th birthday, I barely thought of my mortality. But since then I have barely thought of anything else. A major birthday milestone, combined with the … Continue reading “Why I need a financial adviser”