Pensions are typically viewed as being complex and difficult to understand. As a result, people often delay starting one or ignore the issue altogether.
Inheritance Tax (IHT) has come under the spotlight over the past few years, due largely to the continued rise in house prices. These days, you don’t have to be hugely wealthy to be affected by IHT.
Retirement planning involves visualising your key goals for your retirement years and setting up a plan to help you achieve those goals through financial planning.