Richard Ince

Firstly, that’s a great question. The simple answer is that you can retire when you have adequate wealth to do so. This can be a mixture of pensions, savings, investments, and property.

We have seen some turbulent markets in the last 12 months, with the repercussions of COVID having a significant impact. Generally speaking, markets have partially recovered but remain extremely volatile.

Long-term care in a care home is very expensive, and can quickly erode your savings (including the equity in your property).

When considering the range of protection policies available, the most common policy is ‘life insurance’.

In an ever more competitive employment market, employers are looking closer at the overall benefits they offer, beyond just salary.

A common question amongst investors is 'should I invest in a pension or an ISA?' Here we run through the main features of each product.