Can You Carry Forward Unused Pension Allowance?
Learn how pension carry forward works, when unused allowance can be used and what to check before making a larger pension contribution.
Financial Advice Insights and Guides
About the Sturdy Edwards Financial Advice Blog
Read practical articles covering investments, pensions, retirement planning, mortgages and financial protection.
Our advisers explain financial topics in clear language, helping you understand important considerations and the questions you may wish to ask before making a decision.
The articles provide general information rather than personal financial advice. If you would like guidance based on your own circumstances, please contact our team or call 01342 313733.
Financial Advice Articles
Pension Planning for the Self-Employed: A Practical Guide
Understand pension options for sole traders and company directors, including flexible contributions, tax relief and retirement planning.
How Much Do You Need to Retire Comfortably in the UK?
Understand how spending, retirement age, pensions, savings and other income affect the amount you may need in retirement.
Combining Multiple Pension Pots: Is It Worth It?
Understand the potential benefits, costs and risks of pension consolidation, including guarantees and safeguarded benefits.
Lifetime ISA vs Pension Contributions: Which Is Better?
Compare Lifetime ISAs and pensions, including bonuses, tax relief, employer contributions, access rules and investment risk.
When to Consider Taking Your Pension Pot Early (and When Not To)
Understand the access rules, tax, allowances and future-income implications of drawing from a pension earlier than planned.
Information, Not Personal Financial Advice
Our articles are provided for general information and do not constitute a personal recommendation. The appropriate course of action will depend on your circumstances, objectives and attitude to risk.
The value of investments and pensions can fall as well as rise, and you may receive back less than you invested. Tax and pension rules can change, and their effect will depend on individual circumstances.
If you would like advice about a decision discussed in one of our articles, please explore our financial advice services or contact our team.
We help clients to arrange mortgages, give independent investment guidance on ISAs
Please contact us to find out how we can help.