ad+ Smart Money for November/December 2015

Confused about retirement planning?

If you are feeling confused about your retirement planning options it’s not surprising. Massive changes have taken place during the past year with the introduction of ‘pension freedoms’. Despite the confusion, it remains essential that you make adequate financial provision for retirement. We consider your options on page 8 of this edition of ad+ Smart Money magazine.

This year, give a Christmas gift that will give your children a start in life. Investing on behalf of your children or grandchildren can really add up to something valuable, and the investment is likely to last much longer than typical Christmas gifts.

Most of us know someone that has been affected by serious illness. Understandably, most of us think about the illness, and not about the financial consequences of that illness. How would you, your family, and your business survive if you could not work or manage your business? How would you pay the bills? How long could your business survive? On page 4 we give you an insight to income protection insurance.

We’ve included advice on several other key financial planning topics. DOWNLOAD your free copy of ad+ Smart Money now.

We hope you enjoy reading this issue and find it informative. To discuss any of the articles featured, please contact us.

David Charles

NOTES:

Content of the articles featured in this publication is for your general information and use only and is not intended to address your particular requirements or constitute a full and authoritative statement of the law. They should not be relied upon in their entirety and shall not be deemed to be, or constitute advice. Although endeavours have been made to provide accurate and timely information, there can be no guarantee that such information is accurate as of the date it is received or that it will continue to be accurate in the future. No individual or company should act upon such information without receiving appropriate professional advice after a thorough examination of their particular situation. We cannot accept responsibility for any loss as a result of acts or omissions taken in respect of any articles.

Pension and investment advice will be given by our sister company, ad+ Financial, which is regulated by the FCA.

INFORMATION IS BASED ON OUR CURRENT UNDERSTANDING OF TAXATION LEGISLATION AND REGULATIONS. ANY LEVELS AND BASES OF, AND RELIEFS FROM, TAXATION ARE SUBJECT TO CHANGE.

A PENSION IS A LONG-TERM INVESTMENT. THE FUND VALUE MAY FLUCTUATE AND CAN GO DOWN. YOUR EVENTUAL INCOME MAY DEPEND UPON THE SIZE OF THE FUND AT RETIREMENT, FUTURE INTEREST RATES AND TAX LEGISLATION.

The value of your investments can go down as well as up and you may get back less than you invested. Past performance is not a reliable indicator of future results.