Last year, a new client came to us feeling overwhelmed by her pension. She’d lost faith in her previous advisers, especially after they invested a significant portion of her funds shortly after her divorce, which left her with a substantial mortgage debt. We uncovered several significant problems with her previous financial advice. Firstly, she was […]
For many people, 60 feels like the ideal age to retire. You’re young enough to hopefully enjoy plenty of active years ahead, but old enough to start thinking seriously about swapping work deadlines for a little more freedom. But there’s usually one big question standing in the way: Can I actually afford to retire at
Can I Afford to Retire at 60? How Cashflow Modelling Can Test Your Plan Read More »
Last year, a new client came to us feeling overwhelmed by her pension. She’d lost faith in her previous advisers, especially after they invested a significant portion of her funds shortly after her divorce, which left her with a substantial mortgage debt. We uncovered several significant problems with her previous financial advice. Firstly, she was
The date is now in the diary. The Autumn Budget 2026 will take place on Wednesday 28 October, and as we get closer to the Chancellor standing up to deliver it, you can expect plenty of headlines about what might change. Pensions. Inheritance Tax. Capital Gains Tax. Property. Tax thresholds. Wealth. Some predictions may prove
Autumn Budget 2026: Should You Make Changes to Your Finances Before 28 October? Read More »
Last year, a new client came to us feeling overwhelmed by her pension. She’d lost faith in her previous advisers, especially after they invested a significant portion of her funds shortly after her divorce, which left her with a substantial mortgage debt. We uncovered several significant problems with her previous financial advice. Firstly, she was
Retirement Planning for Business Owners: Nick’s Story Read More »
It’s not the easiest question to think about. Most of us spend years building our savings, investing for retirement and making sensible financial decisions. But what would happen if illness, an accident or a condition such as dementia meant you were no longer able to manage your own finances? Would someone you trust be able
Who Would Manage Your Finances If You Could No Longer Do It Yourself? Read More »
Last year, a new client came to us feeling overwhelmed by her pension. She’d lost faith in her previous advisers, especially after they invested a significant portion of her funds shortly after her divorce, which left her with a substantial mortgage debt. We uncovered several significant problems with her previous financial advice. Firstly, she was
On Track to Retire at 60: Anthony’s Retirement Planning Story Read More »
One of the most common questions people ask as they approach retirement is: “Should I take my full 25% tax-free cash?” The short answer? Not necessarily. It’s easy to see why the idea is appealing. After all, if someone offers you tax-free money, why wouldn’t you take it? But while taking tax-free cash is the
Should You Take the Full 25% Tax-Free Cash from Your Pension? Read More »
When people think about investing, one of the first questions they’re often asked is, “How much risk are you comfortable taking?” It sounds like a simple enough question, but the answer is only one piece of a much bigger picture. At Lazenby’s, we don’t believe investment decisions should be based solely on how adventurous or
When people think about investing, they often focus on choosing the “right” investments. But what happens after your portfolio has been built? The reality is that your investments won’t stand still. Markets move every day, some investments perform better than others, and over time your portfolio can start to look very different from the one
Has Your Investment Portfolio Drifted? Why Rebalancing Matters Read More »
