At Acumen Financial Planning, we recognise that discussions around pensions – such as potential changes to tax relief or tax-free lump sums – can raise questions. In The Scotman’s Your Money Q&A, Chartered Financial Planner
Choosing the right retirement income isn’t a ‘one-size-fits-all’ approach. Some retirees seek guaranteed income, while others value flexibility to adapt their spending over time. Before 2015, annuities were the main option, offering lifetime payments and
Planning for retirement involves a range of important decisions, and understanding how to manage pension funds effectively can make the process clearer. Over time, it’s common for individuals to accumulate multiple pensions from different employers
Many people think retirement planning can wait, but the earlier you start, the greater the benefits. Life decisions like buying a home, changing careers, or reducing work hours all affect your long-term financial picture. Early
Whether you are currently facing uncertainty at work or simply want to feel more prepared for any future changes, reviewing your financial circumstances may help you feel more secure during challenging times and better prepare
Market volatility can feel unsettling, but history shows recoveries often follow sharp declines. Attempting to time markets risks missing the best days, which can harm long-term returns. Inflation, though slower and less visible, can erode
In a recent Q&A, Andrew Sutherland of Acumen Financial Planning addresses a widower’s concerns about potential taxes on his estate, including Capital Gains Tax (CGT) and Inheritance Tax (IHT). Andrew explains that CGT does not
In a recent Q&A with The Scotsman, we respond to a reader who grew a £15,000 share portfolio to £56,000 using a classic buy-and-hold strategy. While the reader now faces tax on dividends, they asked
In a recent Q&A with The Scotsman, Wendy Morrison, Associate Financial Planner at Acumen, explains why long-term investors often achieve better outcomes by holding their nerve, staying focused on their goals and resisting knee-jerk decisions.
