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Anyone beard labour want to pay us are benifits in vouchers n no money so we have to dpend it on ehat they say. This country wont stand for this bu l. Sh t goverment. VOTE NIGSL Frrage Reform uk

All that hard work and giving them our taxes and not a tuppence for the berieved spouse. Disgusting evil people.

Scary😢

Hi, I have to pay a shared equity loan and need some cash should I take the maximum tax free cash from my pension pot or take a loan from my mortgage lender or my bank.? Please advise

I actually benefitted greatly from this. Sadly my wife died in May 2001, I was 45 with 2 small children. As my wife died before a certain date and I was 45 it transpired at 66 I got a 100% of her SERPs as an added pension. Another hoop was I had too be over a certain age when my children ended full time education. The widowers pension I got til then ended and it became the added pension I got at 66. Worth about £5,500 at current value. I have say it was useless trying to get any detailed information about this over the years- just told it would be calculated when I retired. It’s all swept away now and widows and widowers have been hung out to dry by the Tories. Don’t expect Labour to make it right.

Why I may be asked to effectively take my entire pension account if I'm trying to access my pension pot ,before my state pension age and stayed employed, to take the tax free cash ? Please advise

i have a trading 212 Invest account and an ISA account. i have maxed out my 20K for the ISA account for this year. I have some money in my invest account. Can i transfer these into my ISA account in the next fiscal year without incurring CGT? if i sell my positions in the invest account and transfer the funds into my ISA account without withdrawing it to my bank and then depositing it into my ISA account, can i escape the CGT?

Obviously since this was made the allowance is much less generous, so this is even more relevent. Whatcabout if you butca very similar but not identical etf. For instance a S&P 500 fund from fund manager XYZ and then bought a S&P 500 fund from fund manager ABC the next day?

Thank you very much for sharing this important information. Well explained.

All of them if you are a liebour MP

How can they tell you how much you can give , it's my money and i will do as i please , I'm always giving my sons money

The problem in the UK is if you are the normal avarage person and you have a work pension in place by the time you retire you loose out on any help from the governent with energy bills and rent for most. The government see that you have a private pension in place and force you to pay your own way through your work pension. So it's counter productive to have a active works pension in place by the time you retire.

I hope we all know that it doesn't matter who is in the 'top job' because this is a systemic problem -- greed. We have allowed many of our economic sectors, to take advantage of the American people. It's disgusting and frightening for the future of our country. My husband and I will be retiring in the next two years n another country. We are absolutely worried that SS! will no longer be funded. we'll have to rely on his pension, a 403 (b) and a very prolific Investment account with Stephanie Janis Stiefel my FA. Our national debt is bloating and expanding every month. Our government needs to get spending under control and cut the federal budget.

Look at those who passed from Covid there is no mention of all the millions they have garnered from that, but the more you look at this the 22 billion black hole is a fantasy so Labour can cripple us all

I earn 56k and my wife 34k are we eligible

few questions: 1) when calculating the tax code do they look at your current income and apply accordingly ie the pension income is treated as standard income and offsets against any income/losses if self employed? 2) Also is the drawdown a one off or can one continually dd say monthly/annually after 55 (soon to rise to 57) and 3) what if we drawdown before 55/57, what is impact re tax rates?

You can get pension increases in some countries outside EEA according to govt website

If you use up your current years annual allowance and need to use up allowances from previous years, how do i ensure i get it on a workplace pension? Does it automatically happen, do i need to claim it back through hmrc and a tax return?

So in a nut shell, while i can still do Toyota jumps " oh what a feeling " Give the kids everything way ahead of the time i become " dead man walking ".

Wonder why?🙄🤨

Hi! can you comfirm this for me please? It may be possible for your estate to claim up to three months of your basic State Pension if you're not married or in a civil partnership when you die. They can only do this if you had not claimed it. Contact the Pension Service to check what you can claim.

do you know of a calculator I can use please

I can't find his book on Audible. Edit: I'm not from the UK

Gift of what? Cash? Property? Holiday cottage?

I see Oliver Burkeman, I listen

Great interview. I love the chat about consequences

The more i heard the less i liked. I felt she was irresponsible and self indulgent. She didn't really give any meaningful tips other than quit work with a well funded pension. Finally i think there are those out there living life post work much more than her

There are charges if the LA puts the care together for a self Funder following assessment. £495 in Lincolnshire for instance.

This seems like a pretty blatant to push to sell annuities. There was only a minor discussion of inflation, no discussion of real return, and no discussion of risk of the company going belly up. I would also have liked to see some discussion of do it yourself annuities which is the direction I am going toward in retirement.

David Adams is like the Australian Indiana Jones and his series of documentaries are absolutely amazing.

Does it make sense to pay into a LISA if you’re in the 40% tax bracket? Paying into your pension gives you >60% boost compared to taking the salary vs. 25% from the LISA and is accessible at 57-58?

The additional 25 pence per week for pensioners in the UK who reach the age of 80 was introduced as part of the pension system in 1971, despite the significant changes in the value of money over the years. It hasn't risen since then.

Dwp have delayed my wifes payment for over 16 weeks...we have escalated complaint to senior manager, and have waited over 4weeks and still not heard anything, despite government website saying they will respond within 15 days....dont know what to do, or who we can speak too, to complain about these people who are making our life so difficult by not paying what we are entitled too.

Is the limit of £3000 from each parent or a joint limit.

Think this lady is great and I'm genuinely pleased for her, but realistically, most people do not have her resources and still have the responsibility of elderly parents to worry about. So, unfortunately, I may be retired but I will unfortunately be unable to change things. That's reality 🤷

My LTA is roughly about 45%, I’m not going to get anywhere near the ceiling of over circa 280.000 k Iv crystallised a smaller pension about 8 yrs ago and my LTA on that was 7.52% Should I request a TTFC ? I’m slightly confused but my thoughts are telling me I won’t need one? I would appreciate if you could give me your opinion and accept you cannot give me any financial advice for obvious reasons.

Hi Justin, great video! In your example of Sarah’s £4k contribution (which becomes £5k which additional tax relief) - would that be her own deductions or would it also include any top up from her employer? Very common that UK employers do a 5% / 3% split (5% employee, and 3% to up from employer).

What do nhs state are ‘ rapidly deteriorating condition’ I cannot find examples and therefore this is open to interpretation and debate which means I won’t get funding for the ‘ fast track’ for my loved one.

The half assed government don't know and can't decide what to do,since the pension freedoms people are self investing there pensions ,with dividends being one of the means of income ,Then the stuiped government told the companys to stop paying dividends during COVID while pensioners relied on them dividends , i would go for dividend investing in about 12 top companies ,so long as the never go bust and keep paying even if the market drops your money gos on even if your capital gos down

I think when the only option to access you pension was through a annuity the best rates were not being given, It has taken the life companys 9 years to realized them days r behind us

I think he is getting himself mixed up ,With saying 40% tax when he actually should be saying the amount over £50270 is claimable at 40%

My late husband passed away before he reached State pension age. I get my state pension but I only receive £20 a week from his.

Hey, loved the vibe🙌! I'm not really sure if it is the best time to ask but, I was wondering if I could help you create a better distribution by working on post-production like better storytelling through Edits, Keywords, think catchy intros and outros, or even some engaging short clips! Would love to chat if you're interested.

In the 1990s I sold pensions on the strenght that the tax free lump sum would pay off most if not all of the mortgage and leave the investor with a pension for life. Most were over a 40 year term plus, I was not alone

In layman's language, can you tell me what are the draw down and annuity? Thanks

Her interviews are all the same

Justin excellent information so informative. Thank you Valerie

I'm 54 and my wife and I are VERY worried about our future, gas and food prices rising daily. We have had our savings dwindle with the cost of living into the stratosphere, and we are finding it impossible to replace them. We can get by, but can't seem to get ahead. My condolences to anyone retiring in this crisis, 30 years nonstop just for a crooked system to take all you worked for.

My mother passed last year, my father has just been moved to a smaller property as his mobility declined dramatically past year and he has dementia too. Can equity that’s had to be put in a trust account be used to pay off my sisters mortgage? Or would that constitute a gift as officially he inherited it all, albeit in a trust me and my sister being trustees?

I turn 55 in March 2028. I assume the change to age 57 instead of 55 comes into effect for the 2028/2029 tax year?