Nicola’s Case Studies

Nicola provides a series of articles answering some of the questions we are often asked.

How can I protect myself and my family?

After debt reduction, this is the most important area to cover – before savings, pension and investments.

Download “How can I protect myself and my family?”

If I have spare money, what should I be doing with it?

This is an area to consider once you have made sufficient provision for your budget for daily living which includes bills and other fixed costs. You may have taken out some protection arrangements and find that you still have funds to spare each month.

Download “If I have spare money, what should I be doing with it?”

How do I know if I am saving enough for retirement?

If you have read the previous article on cash and savings (and touching on investing) then this is an area that can be considered simultaneously with investing, or you can choose one or the other depending on your goals and budget.

Download “How do I know if I am saving enough for retirement?”

Taxation of investments and pensions

This is a wide ranging subject as it has many variables and will as ever depend on your individual circumstances, i.e. the types of asset you hold and what you do with them. For example if you are in receipt of funds from any particular asset, or they are simply held within an investment funds – this will dictate whether you pay tax, what sort, how much and when it will be payable.

Download “Taxation of investments and pensions”

What choices do I have for income in retirement?

Pension benefits can be taken from the age of 55. You do not have to stop working in order to take benefits from your pension fund, and it is possible to provide yourself with income from various sources (if you have accrued these through your working life) which could prove tax efficient.

Download “What choices do I have for income in retirement?”


Please note... is not regulated by the FCA. The information is purely a guide and it is the responsibility of the investor to carry out their own research before making any final decisions. We will ensure that the information is as accurate as possible but we cannot be held accountable for any errors or omissions. No products are sold on this site, nor do we endorse any particular product or investment.

Where there are links to third party sites this is not an endorsement of that site, and we cannot be held responsible for the accuracy of the information on that site.

Where there is reference to performance you should note that past performance is purely a guide and investments can fall as well as rise.

The information on the site belongs to and cannot be replicated or copied without our permission.