Lottery-sized sums offered to tempt savers out of Defined Benefit (DB) pensions

Would you rather have £24k a year from 65 or £849k now? This is a question a number of pension savers are now faced with. Following the pension shake up in 2015, savers with DB schemes – sometimes referred to as … Read More

2017-18 tax year – changes you need to know

Today marks the dawn of the 2017-18 financial year, and with it comes a raft of changes that will impact your finances. The following list is not exhaustive, but it does include a few of the significant updates you need … Read More

Will you be affected by the Tapered Annual Allowance?

The Annual Allowance – the maximum amount that can be invested into your pension while still receiving tax relief – is capped at £40,000. However, on 6th April 2016, the government introduced the new ‘Tapered Annual Allowance’ for individuals with … Read More

Calculis strengthens team with new Financial Planner

We are delighted to welcome back qualified Financial Planner, Ben Giles, to our Romsey office. Ben, who has a Diploma in Financial Planning through The Chartered Insurance Institute (CII), will be instrumental in supporting our Directors, Alex Pegley and Chris … Read More

Find out how to take advantage of record-high transfer values for Final Salary pensions

Once envied by those in the private sector, defined benefit (DB) pensions – sometimes referred to as a final salary pension scheme – pay a retiree a specific benefit based on years of service and salary level until they die. … Read More

2016 Autumn Statement – What you need to know

Philip Hammond delivered his first (and last) Autumn Statement as Chancellor this week. While big giveaways were limited, the Chancellor vowed to “chart a new future” for post-Brexit Britain by announcing huge investment in infrastructure, a pay rise for “just … Read More

What does the falling pound mean for your investment portfolio?

Last month the value of the pound sunk to a 31-year low. But what does its tumbling value mean for your investment portfolio? Following events like Brexit, we understand some investors may worry about their financial future and instinctively feel … Read More

Brexit Update

Votes have been tallied, and the result is now in: the UK has chosen to leave the European Union. News that will naturally leave investors a little concerned. With this in mind, we wanted to write this short message to assuage any … Read More

Brexit: Made up your mind yet? Perhaps this will help

Unless you have been deliberately avoiding the headlines of late, there’s a good chance you have witnessed the complex and highly political debate regarding Britain’s future in the European Union. As we draw even closer to this historic vote, there … Read More

What is the Lifetime ISA and how does it work?

  During his latest Budget, the Chancellor announced plans to introduce the Lifetime ISA from April 2017. This means that if you are under 40, you will be able to save towards either your first home or retirement whilst enjoying … Read More