by Ashley Smith | May 26, 2026 | Pensions, Protection
When people think about estate planning, they often focus on writing a will or mitigating inheritance tax. But one of the most important and most commonly overlooked documents is the pension expression of wish. This simple form plays a crucial role in deciding who...
by Tom Richards | Apr 28, 2025 | Pensions
If you’ve worked for multiple employers throughout your career, chances are you’ve accumulated several different pension pots. Keeping track of them all can be challenging, and you might be wondering: Should I consolidate my pensions? At Howard Wright Financial...
by Tom Richards | Mar 10, 2025 | Pensions
Planning for retirement is crucial to secure your financial future and understanding the options available to you makes all the difference. When considering how to fund your retirement, two common options are the state pension and a personal pension. At Howard Wright...
by Tom Richards | Feb 3, 2025 | Pensions
When it comes to pensions, the terms ‘Defined Benefit’ (DB) and ‘Defined Contribution’ (DC) frequently come up, often leaving people confused about which type of pension they have and how it impacts their retirement planning. At Howard Wright Chartered Financial...
by Tom Richards | Jun 12, 2024 | HW Insights, Pensions
A pension annuity is a financial product you can purchase with your retirement savings to convert them into a guaranteed income stream for life. Although there are other ways you can access your pension pot, an annuity offers the security of knowing exactly how much...
by Tom Richards | Feb 4, 2024 | HW Insights, Investments, Pensions, Retirement
When you create a financial strategy, you often have medium- to long-term goals in mind. However, life is dynamic, and circumstances can change significantly over time. You may experience positive changes, such as landing a higher-paying job, upgrading to a more...
