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For financial advisers only, not for consumers. Meet Cynthia, age 62. She needs to generate a lifetime inflation protected income and maximise legacy from her pension portfolio which includes an earlier transfer in from a previous employers Defined Benefit scheme. Find out how, by including a guaranteed income producing asset as part of her SIPP portfolio, Cynthia is able to diversify risks whilst still meeting her retirement objectives. We’ve recent updated these scenarios. Read about Cynthia and others here. https://ow.ly/uTv350TQwbv

A 2023 survey found that about three out of four U.S. adults had a financial regret. The most common were not saving for retirement early enough, taking on too much credit card debt, and not saving enough for emergency expenses. It's probably not surprising that the weight that people placed on these and other regrets varied by generation — and regret about not saving early enough for retirement was higher for those closer to retirement age. https://ow.ly/WyQY50S4FqT #401k #403b #Pensionmark #orangecounty #oc #retirement #planadviser #fiduciary #retirementplanning #financialplanning #pension

A 2023 survey found that about three out of four U.S. adults had a financial regret. The most common were not saving for retirement early enough, taking on too much credit card debt, and not saving enough for emergency expenses. It's probably not surprising that the weight that people placed on these and other regrets varied by generation — and regret about not saving early enough for retirement was higher for those closer to retirement age. https://ow.ly/WyQY50S4FqT #401k #403b #Pensionmark #orangecounty #oc #retirement #planadviser #fiduciary #retirementplanning #financialplanning #pension

For financial advisers only, not for consumers. Meet Cynthia, age 62. She needs to generate a lifetime inflation protected income and maximise legacy from her pension portfolio which includes an earlier transfer in from a previous employers Defined Benefit scheme. Find out how, by including a guaranteed income producing asset as part of her SIPP portfolio, Cynthia is able to diversify risks whilst still meeting her retirement objectives. #JustBlends https://ow.ly/kR7q50TKGsF

Check out our latest blog post where Kathryn Fleming reflects on the evolution of pension freedoms since 2014. It's been a decade of highs and lows, with some members experiencing financial anxiety. Dive into the insights here: https://okt.to/8klJnV #PensionJourney

Thinking about opting out of your Workplace Pension to boost your immediate Income? Before you make that move, consider the long-term impact on your Financial security and Retirement comfort. You'd miss out on employer contributions (that's free money!) and the power of compound Interest. Don't leave these guaranteed gains on the table! Take a look at our article from our newest Wealth Management Update, which covers this in more detail: https://lnkd.in/egm9TyvS Get in touch with us below, and see the difference proper planning can make to your Financial future:  📞: 029 2045 0143 ✉️: info@penguinwealth.com 💻: www.penguinwealth.com #Finance #Financialadvice #Financetips #Wealth #Wealthmanager #FinancialServices #WealthManagement #Cardiff

5 Common Pension Scams (according to the FCA) The Financial Conduct Authority regularly shares updates on commonly used scams, to help savers and pensioners remain vigilant about their savings. Here are 5 common scams to look out for: 1️⃣ A free "pension review" followed by bad advice 2️⃣ Promises to help release cash from your pension even though you’re under the pension age 3️⃣ Guaranteed high returns 4️⃣ Uncommon (and therefore likely unregulated) investment opportunities 5️⃣ Complicated investments, that aim to confuse you into agreeing and not realising what you're signing up for All of these are common tactics, some of which will result in immediate financial implications while others can take years to become apparent. Regardless, if you have experienced any of the above techniques then you should get in touch with Pension Justice as soon as possible. ☎️ 0800 014 8275 📧 info@pensionjustice.co.uk #PensionJustice #UKPensions #PensionAdvice #PensionRegulations #PensionLawyer #UKLaw

⭐ ⭐ ⭐ I want to invite you to join us at 12:30pm on Friday 1 November to hear from our SJP experts - Hetal Mehta, Tony Wickenden and Claire Trott - as they discuss the main impacts on our finances, including: 📢 Economic projections shaping the Budget announcements 📢 Key tax updates and their direct impact on your finances 📢 Potential pension adjustments for your retirement planning 📢 Actionable financial planning tips to stay ahead 📢 Aligning your goals with the current economic landscape Register your place here: https://bit.ly/3XUzH2n The value of your investment can go down as well as up. You could get back less than you invested. Taxation rules can change at any time and are dependent on individual circumstances. Sovereign Wealth Limited is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority). SJP Approved 24/09/2024

Investing large sums of money into superannuation can be complex, but it's possible with the right strategies. When we understand your financial goals and your current situation, we can explore a range of options to potentially implement. They could include strategies like a lump sum concessional contribution, a downsizer contribution or even a super catch-up strategy to maximise your super savings. Each strategy has its own eligibility criteria and complications, such as contribution limits, age requirements, and other varied eligibility criteria. However, in addition to considering the tax implications and long-term impact on your retirement savings, we provide a perspective on how it may impact your life right now. The important step is to seek financial advice to develop a tailored approach that aligns with your short and long-term financial goals. We're here to guide you with our expert knowledge and experience. Reach out for a conversation today 📞 #wealthbuilding #financialplanning #financialplanner