Do you want to avoid paying taxes on the money you take out in retirement? With a Roth IRA, you can make that dream come true, but only if you know the rules. As someone who has spent a lot of time researching retirement options for clients, I can tell you that knowing about “qualified … Read more
James joined Citizens Securities Inc. founded in 2022 and is in charge of selecting and managing the ETFs, mutual funds, and portfolio models made with these investment products. As a strategic partner, he has over 30 years of experience in financial markets focused on a broad array of public and private equity and fixed income … Read more
Important information – the value of investments and the income from them, can go down as well as up, so you may get back less than you invest. Most of us know we need to save for our future – but how much is enough? There are several ways you can answer that question. You … Read more
You’re not the only one who has looked at their pension and wondered, “Will this be enough?” The cost of living is always going up, and retirement could last twenty years. It’s very important to know how much money you’ll need as a pensioner in the UK. I’ve gathered the latest 2025 figures to help … Read more
When clients consider purchasing commercial property through a Self-Invested Personal Pension (SIPP) or Small Self-Administered Scheme (SSAS), VAT is often overlooked in the initial planning stages. However, Value Added Tax can have significant financial implications on your property investment strategy. As a SIPP specialist with years of experience helping clients navigate these complex waters, I … Read more
Getting close to retirement age and wondering if you can access that pension pot you’ve been building up over the years? Maybe you’ve heard friends talking about “cashing in” their pensions and wondering if the same applies to your Local Government Pension Scheme (LGPS) benefits? You’re not alone – this is one of the most … Read more
If your wages have risen this year, thats good news. But along with the additional cash, its possible you may be in for an unpleasant tax surprise too. Although wage increases may have helped your income keep pace with rising costs for everything from food to housing and auto repairs, a bigger paycheck may also … Read more
How much do you need to save for retirement? Its one of the most common questions people have. And no wonder. That’s why there are so many unknowns: when will you retire? how much will you spend? and for how long? Thats why we did extensive analysis to come up with age-based retirement savings factors … Read more
Among the many other things on your to do list for retirement, you must notify your employer. Often, they require you to submit an official retirement letter of resignation. A retirement letter of resignation is more than just a formality. It sets in motion a process for handling changes in pay, insurance, and your retirement … Read more
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