Our Approach

Health fears

Barrier to employment and retention of older workers

Older workers are an invaluable component of the UK workforce, given their extensive industry knowledge and expertise that all colleagues – particularly younger generations – can benefit from.

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State pensioners

Inflation-busting increase to weekly payments on the horizon

In October this year, those receiving the State Pension are likely to find out that their weekly payments will increase by 4% from April 2020, subject to any last minute adjustments.

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‘Sandwich generation’ carers

Nearly half a million quit their careers in the last two years alone

The decision to look after an elderly, ill or seriously disabled relative has been made by 2.6 million people according to new research by Carers UK[1]. The findings also reveal that nearly half a million (468,000) have quit their careers in the last two years alone – more than 600 people a day. This is a 12% increase since Carers UK and YouGov polled the public in 2013.

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Gender gap in retirement savings

Women say they will have £100,000 less in retirement than men

For women, the salary gap they face during their careers eventually turns into a retirement savings gap. While our country has come a long way on gender equality, the pay gap remains a prominent issue. It’s felt in many aspects of women’s lives, most significantly in retirement savings.

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Get-rich-quick schemes

Financial fraud nets millions for organised crime scammers

Fraudulent get-rich-quick schemes are netting millions for organised crime. But investment scams can be difficult to spot because they’re designed to look like genuine investments, with most scammers having a professional-looking website and documents.

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Mind the income gap

Significant gap between expectations and reality of what life in retirement will cost Generation Z

When most people envision their retirement, positive images start forming. We may picture spending our days lounging on the beach, travelling, practising our favourite hobbies, or having free time to spend with friends and taking the grandchildren on countless adventures.

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Generation game

Lending soars at Bank of Mum and Dad

The Bank of Mum and Dad has been branded as socially divisive and a symptom of Britain’s broken housing market as new figures reveal it is now one of the UK’s biggest mortgage lenders. Thousands of over-55s are generously gifting money as part of the Bank of Mum and Dad, using savings and even pensions to help their family onto the housing ladder, research has revealed[1].

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Working into old age

Three quarters of UK employees say they won’t be able to retire by the age of 65

Britain is growing old, and not just proverbially. As the population is set to increase, the proportion of the population aged 85 and over is projected to double over the next 25 years[1], and the number of those working for longer rises with it. Recent figures[2] reveal that nearly three quarters of UK employees say they won’t be able to retire by the age of 65.

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Parents and grandparents delay passing on wealth

Growing uncertainty over the future cost of care the main concern

Increasingly, we read and hear about how the Bank of Mum and Dad is being stretched to the limit, as children are making increasing calls on its limited resources. However, research shows that a quarter (24%) of over-55s[1] are not planning to pass on any wealth in their lifetime over fears they could face crippling care costs in old age.

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‘Presenteeism’ more of a problem than absenteeism

Nine out of ten employees continue to work even while being ill

Feeling ill? Well, staying at home would seem to be the sensible course of action. However, for many, going to work while sick has become the norm. Employers are seeing more staff turning up to work while ill, according to a new survey[1].

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Wealth Preservation

Estate Planning