Like many people you may have considered moving or consolidation your pensions to another scheme or provider to achieve better fund performance, lower charges, improve death benefits, increase flexibility for taking the benefits, or simply because you are changing jobs. […]
When it comes to investment planning, it is good practice to seek professional independent financial advice to make sure you understand the investment opportunities available to you and that you make sound financial decisions. At Castlegate, our team of Chartered […]
I’ve written a number of times on the popular subject of income generation. There is one option currently available for certain people but will be unavailable from Wednesday 5th April 2017 and which is unknown to many. For those in […]
State pension entitlements have been simplified with the introduction of the of the new single-tier pension last April. The government placed great emphasis on the amount of the new single-tier state pension of £155.65. This communication was criticised by many […]
There are several simple and cost effective options available to help you manage and reduce your potential Inheritance Tax liability, including making a Will, funding for an expected liability using life assurance and inheritance tax mitigating investments. As a firm […]
For a 65 year old non-smoker male in good health, looking to purchase a conventional, inflation linked annuity including a 50% spouse’s benefit, £1M will buy him approximately £22,200 per annum (source: IRESS Exchange). Would you buy? The biggest fear […]
The seemingly never ending decline in interest rates makes the search for income ever challenging. What can an income hungry investor do? There are several options which could potentially pay far more than you will get from savings accounts, though […]
If you are self-employed, saving into a pension can be a harder habit to develop as you will not qualify for an auto enrolment pension, there are no employer contributions and irregular income patterns can make saving for the future […]
If you have family member or business partners who depend on you financially, it would be beneficial for you to arrange life assurance. If you are not sure whether you need cover it is a good idea to seek the […]
Inheritance Tax is a tax that most of us rarely plan for, but is one that many of us are affected by. As an independent financial adviser in Lincoln and across the East Midlands we work with our clients to […]
As you may be aware, some major changes to the state pension came into force in April 2016, but what has changed? The new state pension is a regular payment from the government which you can claim if you are […]
We can plan our lives, but events can happen that can turn our lives upside down. We can work with you to make sure you have a plan in place that ensures that you and your family are provided for […]
Castlegate Financial Management Limited is registered in England No. 2077374. Registered Office: 8 Castlegate, Grantham, Lincolnshire. NG31 6SE. Authorised and Regulated by the Financial Conduct Authority. FCA No. 169777.
