As a Defined Contribution (DC) pension provider or employer running a DC scheme, you play a pivotal role in your employees’ financial well-being. Supporting them to make informed, confident decisions about their financial future isn’t just good for them—it’s great for your organisation. Here’s why it’s critical to encourage employees to start financial planning from … Continue reading Empowering Employees for a Secure Future: Why Financial Planning from Age 45 Matters
Tag: retirement
Take Control of Your Retirement Finances with HapNav – The Future of Financial Confidence
Are you one of the 75% of over-45s who don’t have a financial plan and worry about outliving your capital? You’re not alone—and the good news is, you don’t have to be an ostrich anymore, burying your head in the sand when it comes to your finances. At HapNav, we’ve created something truly revolutionary just … Continue reading Take Control of Your Retirement Finances with HapNav – The Future of Financial Confidence
Housing Costs in Retirement: A Growing Concern and How to Plan Ahead
Housing is one of the greatest expenses we face in life. Traditionally, many people worked towards owning their homes outright by retirement, achieving a significant reduction in expenses just as earnings stopped. For decades, this milestone has provided financial stability in later life, easing the pressure on pension income. However, the landscape is changing. Increasingly, … Continue reading Housing Costs in Retirement: A Growing Concern and How to Plan Ahead
Why Do 80% of Financial Advisers Want to Expand Auto-Enrolment? A Closer Look at the Debate
In a recent survey by fintech firm iPipeline, over 80% of financial advisers expressed support for changes to the UK’s auto-enrolment pension system. Many called for a lower minimum age and higher contributions, aiming to bring more people into the fold. Some called for dropping the Lower Earnings Limit deduction and the trigger point to … Continue reading Why Do 80% of Financial Advisers Want to Expand Auto-Enrolment? A Closer Look at the Debate
Britain Isn’t Working: The GAME Plan as a Solution
Britain, we’re told, “simply isn’t working.” With a record 2.8 million people off work due to long-term sickness and welfare spending soaring, the nation is grappling with a crisis that’s as economic as it is social. The government’s proposed solutions – personalised job centre support, CV advice, and AI job-hunting tools – may tick some … Continue reading Britain Isn’t Working: The GAME Plan as a Solution
Retirement Planning Beyond Financial Capital: A Call for Holistic Conversations
For many, the prospect of retirement is both exciting and daunting. It’s a time to step back, reflect, and embrace new opportunities. But what if your retirement savings fall short of your expectations? For those who approach financial advisers hoping for a lifeline, the conversations they’re having might not be enough to ease their worries. … Continue reading Retirement Planning Beyond Financial Capital: A Call for Holistic Conversations
Human Capital Strategies: The Future of Retirement Planning
Retirement planning has entered a new era. For years, the focus was squarely on financial capital—tangible assets like pensions, savings, and investments. But for today’s retirees, especially those without the safety net of generous defined benefit (DB) pensions, financial capital alone isn’t enough. The spotlight is shifting towards human capital strategies—an often-overlooked but vital component … Continue reading Human Capital Strategies: The Future of Retirement Planning
Retirement Planning: Why It’s Time to Focus on Human Capital Over Financial Capital
The way we approach retirement is changing. Traditional financial planning has long centred on building financial capital—pensions, savings, and investments—to secure our future. But the cracks in this strategy are becoming harder to ignore. For many, it no longer holds up under the weight of increased life expectancy, economic uncertainty, and the changing nature of … Continue reading Retirement Planning: Why It’s Time to Focus on Human Capital Over Financial Capital
Why Working Into Later Life Could Be the Solution We Need
The UK is on a collision course with a looming pension crisis, with experts warning that millions of retirees will face financial struggles in the coming decades. While policy discussions often centre around raising pension contributions, there’s another solution that seems glaringly overlooked: working longer. This isn’t just about economic necessity—it’s about giving people the … Continue reading Why Working Into Later Life Could Be the Solution We Need
Good News from the Budget: A Rethink on Auto-Enrolment?
In a surprising twist from the recent Budget, the government might just be reconsidering its push to expand auto-enrolment (AE) requirements for businesses. Why might this be good news, you ask? Simply put, it’s a matter of timing, especially as the nation grapples with a cost-of-living crisis. At the Academy of Life Planning, we believe … Continue reading Good News from the Budget: A Rethink on Auto-Enrolment?
Academy of Life Planning 