Should I wait to access my pension?

At a glance: If you can afford to leave your pension untouched for the near future, your money will remain invested and could grow into a larger savings pile – although there’s always an element of risk with investment. You can continue paying into a pension after retirement to further boost your savings and benefit […]

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Do you have to sell your home to pay for care?

At a glance It’s not always necessary to sell your home to fund long-term care. If you choose to receive in-home care, or if a spouse or dependent relative remains living in your home, you will not be forced to sell. Be wary of the lifetime-mortgage ‘trap’ – these equity-release schemes often state that you […]

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Who pays for social care?

At a glance: Your local authority is responsible for social care and will work out if you qualify for financial support. They will provide a means test to calculate whether you have to pay some or all of the cost of a care home or in-home care yourself. If you have assets of £23,250 or […]

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Give your ISA the best chance of success

At a glance: Stocks & Shares ISAs are a very tax-efficient – and potentially lucrative – way of saving for the long term (at least five to 10 years). Each person’s ISA allowance (the amount you can pay in without being taxed on the profits) is £20,000 for this tax year (2021/22). The earlier in […]

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Keeping business exits on course

Exiting a business can be a challenging experience for business owners, even at the best of times. While COVID-19 has changed many things in our lives, all the measures of a business valuation remain the same. If you’re looking to sell, remember it’s how you react to crises that is important to buyers. Exiting a […]

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Long-term care: what are the options?

At a glance The first step is to understand your or your loved one’s care requirements – and a care needs assessment by social services can help with this. Care can then be either in the home (usually costing upwards of £10,000 a year) or in a care home (usually costing more than £30,000 a […]

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