Author Archives: gileswarren

Auto Enrolment Pensions – Windsor

Posted on August 14, 2013 by gileswarren

What is auto enrolment?  Work place pensions changed in October 2012 for employers because employees now have to be offered contributory Work Place pension scheme – that’s right HAVE to!  It’s no longer any good to have a template Stakeholder that nobody joins or to … Continue reading →

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Difference between Flexible and Capped Drawdown Pensions – Windsor

Posted on June 12, 2013 by gileswarren

At retirement you have the option to move into Income Drawdown, rather than take an annuity.  Drawdown is where your pension fund is still invested, however you are able to take an income from it at the same time.  This … Continue reading →

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Financial Planning for the end of tax year – Windsor

Posted on March 7, 2013 by gileswarren

The nights are finally starting to get a little lighter – maybe we can start looking forward to Spring after all. In financial services, Spring means two things; the Budget (on March 20th this year) and the end of the … Continue reading →

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Financial Planning – Windsor

Posted on March 7, 2013 by gileswarren

Clearly the average client’s planning needs are completely different in their twenties to their fifties and, while it’s true to say there’s no such thing as an ‘average’ client, this short guide will hopefully help to set most people on … Continue reading →

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9 financial planning steps you should take in the 5 years before you retire – Windsor

Posted on September 11, 2012 by gileswarren

For most of us, it’s simple. Go to work every month, get paid, have a look at the pension deduction on your wage slip. Once a year you receive a pension update that you don’t really understand. Oh well, pop … Continue reading →

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Annuity and your health – Windsor

Posted on August 31, 2012 by gileswarren

According to MGM Advantage, in a study conducted by Research Plus with 2,086 UK adults aged 55+ (published in December 2011), 60% of people aged 55 and over have received medical treatment for conditions which would qualify them for an … Continue reading →

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Beware of the Dog – the importance of monitoring funds regularly

Posted on August 9, 2012 by gileswarren

If you watch the money programmes on TV or read the financial pages of the newspapers, you might have come across the term ‘dog fund.’ What does the term mean? And why is it so important to the ordinary investor? … Continue reading →

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Water suppliers over charging

Posted on August 9, 2012 by gileswarren

Did you know that the water companies automatically charge you for surface water removal?  I recently contacted my water supplier and told them that the water which is collected by my roof goes to soak aways which are dotted around … Continue reading →

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Gender Directive and what it means to Life Cover & Critical Illness – Windsor

Posted on July 4, 2012 by gileswarren

 The UK have had orders from Brussels which will mean that insurers will no longer be able to dual price their life cover as from 21st December 2012.  In the UK the cost of life cover is cheaper for women than … Continue reading →

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June market commentary

Posted on July 3, 2012 by gileswarren

 There’s an old stock market adage which says “Sell in May and go away.” This year, “Sell before May and go as far away as possible” might have been more appropriate, as world stock markets tumbled throughout the month. Only … Continue reading →

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