Financial wellbeing is an important factor when it comes to being able to enjoy life. While we’re earning, it’s possible to secure the living standards we want for ourselves and our families, but it’s also important to put some of that income aside to build up your pension fund.

Generally speaking, and subject to investment performance and charges, the more you save and the earlier you start saving, the better shape your financial assets are likely to be in when you need to draw on them.

When work reduces, or ends, your pension fund will b...

How many times have you heard the phrase “It won’t happen to me” when it comes to the chances of suffering a serious illness? Unfortunately, given that 1 in 2 people born after 1960 in the UK will be diagnosed with some form of cancer during their lifetime we should perhaps adopt the lottery approach and assume “it could be you”.

If you have a mortgage, or people who rely on your income, you should have some sort of protection cover in place in the event that you have to stop work. We can advise you on a range of policies designed to either...

Business Protection is a crucial element in a company’s financial future, but how many have cover in place?

According to a study from Legal & General, 53% of the UK’s small businesses think they would cease trading in less than a year, should a key employee die or be diagnosed with critical illness and unable to work.

These figures ought to concern most business owners – especially given that the Federation for Small Businesses also reported around 50,000 SMEs go under each year because of late loan repayments – and it's a trend that could...

Don’t let the ‘it won’t happen to me’ approach affect your decision on whether or not to take out critical illness cover.

David thought he was a fit, healthy, middle-aged man, with a good exercise regime and diet. He was a keen runner, and had even completed the New York marathon. It was only when he experienced angina-like symptoms that he went to his GP.

He was diagnosed with hereditary coronary heart disease.

David was shocked at this diagnosis – and even more so when his surgeon informed him he had already had a heart attack. The surg...

Frank Field, Labour MP and chair of an influential parliamentary committee, has called for legislative action to help keep pension savings safe.

This comes after Police data shows that more than £43m of people’s retirement savings have

been lost to fraud since the pension freedom reforms were announced. Figures from The Pensions Regulator estimate that around £500 million is stolen from our pensions every year.

There are different types of scam, but they often begin by someone contacting you unexpectedly by phone, email or letter. They ma...

The rise in technology has caused more than 1 million over-45 year olds to fall victim to online scams and left one in five feeling vulnerable.

Research by Aviva has shown that 70% of people aged 45-64 interviewed as part of this research are willing to embrace new technology, including devices, software and apps. But these ‘tech adopters’ are an increasing target for online scammers.

Even with this willingness to adopt new technology, only a quarter of 45s–65 year olds have no concerns when using technology, and falling to 18% for over-75...