Oysters Guide to Maximising Pension Savings

Oysters Guide to Maximising Pension Savings

17th October 2022

Welcome to our guide to maximising pension savings. Many people are feeling the pressure on their finances at the moment due to the backdrop of rising inflation and the cost-of-living soaring. In these circumstances, it can be difficult to think about your long-term finances or even contemplate saving for the future.

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"Anyone who decides against investing in aa workplace or personal pension also turns down help from the government. Thats because in order to encourage people to save for retirement, the government provedes a top-up called 'tax relief' to pension payments".

The details surrounding pension rules are complex. Careful financial planning combined with our expert knowledge can help you mange your affairs as tax-efficiently as possible. To ensure you have enough money to have the retirement you want, please contact Oyster on 023 80848410 or email enquiries@oysterfinancialplanning.co.uk

Oysters Financial Magazine November 2024 image

Oysters Financial Magazine November 2024

8th November 2024

Yesterday saw the Chancellor Rachel Reeves very first Budget. With an unusually long gap between election day and budget day the days were filled with rumours, speculation and quite possibly hysteria of what was going to be announced and the rights and w

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10th September 2024

While retirement planning is common, people often focus on the early retirement years. However, your needs and lifestyle wishes can change drastically over retirement and could last decades. It’s just as important to think about how you’ll spend your late

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Welcome to our guide to building a bigger pension pot. As we embark on the 2024/25 tax year, this guide looks at the opportunities to revitalise and boost your pension savings strategy, setting a solid foundation for future financial stability. Early at

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Articles featured in this issue: Britons procrastinate on making a Will Research identifies that over half of adults do not have a Will Looming pension pitfall £50 billion of hard-earned pension funds could be in jeopardy Costs of later-life ca

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10 Years – Feels Like Yesterday “The only way to do great work is to love what you do. If you haven’t found it yet, keep looking. Don’t settle” a quote from Steve Jobs. For me the last 10 years since our business Oyster Financial Planning was create

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PROTECTING YOUR FAMILY, YOUR BIGGEST ASSET Life is unpredictable and filled with a multitude of potential risks. The harsh truth is that an unexpected serious illness, a debilitating injury or even a sudden death can drastically affect a family’s financi

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Welcome to our latest March/April 2024 edition. Your goals are unique to you and important to us. We don’t just look at the numbers; we create a plan tailored to your unique needs and ambitions and focus on what’s important to you and your loved ones. Pl

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26th January 2024

Welcome to the first issue for 2024. The tax landscape has witnessed considerable changes, making the situation more challenging for taxpayers and investors alike. As we near the end of the 2023/24 tax year on 5 April, every taxpayer should understand the

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11th January 2024

Taxing times for 2023 A year marked by several tax changes that impacted higher rate taxpayers Strategies to minimise retirement tax Many pensioners may face a lurking tax risk as the State Pension grows Decoding auto-enrolment Good news on the horizon fo

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10th November 2023

Welcome to our September/October 2023 edition. In this issue, we look at investment bonds and explain how they offer several benefits that some investors may be missing out on, which have become even more beneficial due to recent changes in tax regulation

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6th September 2023

Welcome to our ‘Guide to Protecting Your Financial Future’. Life is a series of unpredictable moments, and some events may threaten your longterm financial stability. While we cannot foresee the future, we can establish plans to maximise our life exper

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Welcome to our July/August 2023 edition. In this issue, a comfortable retirement is a common financial goal, and contributing to a pension is essential to achieving it. Although retirement may appear distant at the moment, there's much to consider. Let us

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11th July 2023

These last few years have been crazy, haven’t they? Financially, first with the Pandemic then coming out of that we have the situation in Ukraine, associated Energy and Food supply and cost issues all feeding into pushing the world’s inflation up sharply,

Economic state of the nation

3rd July 2023

T A K I N G A P R O A C T I V E A P P R O A C H T O RETIREMENT PLANNING It’s no secret that the traditional approach to retirement planning is becoming increasingly obsolete. While previous generations may have depended on their employers to provide t

Taking a proactive approach to retirement planning

5th June 2023

Oyster's Financial Magazine May/June 2023 Welcome to our latest edition. In this issue, Chancellor Jeremy Hunt’s first proper Budget 2023, on Wednesday 15 March, brought some welcome but unexpected changes to pension tax. Britons can now expect significa

Oysters Financial Magazine May June 2023

9th May 2023

On the 6th April 2023 Oyster Financial Planning will have be trading for 9 years! Where has that time gone? I myself, Michael Osman have been advising for 26 years of which 9 have been at Oyster. We have certainly seen some changes and consistent grow

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6th April 2023

Investing for grandchildren can be used to help fund college tuition, make a down payment on their first car or home, or even start a retirement fund. The earlier you invest, the more time your funds have to grow and compound over time. This means

Investing in the future of Grandchildren

28th March 2023

Welcome to our latest edition. In this issue, financial planning can be a daunting and uncomfortable conversation for many, but thankfully attitudes towards talking about money are changing. Wealth succession should be an integral part of your financial p

Oysters Financial Magazine March 2023

9th March 2023

Menopause in the workplace Unique Retirement Planning Challenges Women Face Women make up nearly half of the UK workforce, but many feel forced to reduce their hours at work, pass up promotions and even leave their jobs due to lack of menopoause support

Menopause in the workplace

9th February 2023

Are YOU a parent or grandparent to late teens or early 20’s who are working? If the answer is YES, please read on! Its time to talk money! Oyster have always encouraged our clients who have 20 (ish) year old children or grandchildren to speak to them

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2nd February 2023

Welcome to our latest edition. With the current tax year having begun on 6 April 2022, the clock is ticking and it is important to utilise all the tax reliefs and allowances available to you before 5 April 2023 in order to minimise any potential liabiliti

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10th January 2023

Today everything is different. Not only are we living longer, healthier and more active lives, most of us can now decide when, how, and even if, we retire. It's never too early to start thinking about retirement planning. Whether you're just starting yo

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29th November 2022

As the cost of living continues to soar, with inflation reaching a 40-year high, the impact on household finances is taking its toll. But it is essential to try to maintain a savings habit even in the current climate. On page 10 we look at the impact brea

Oysters Winter Financial Magazine 22

9th November 2022

Welcome to our guide to maximising pension savings. Many people are feeling the pressure on their finances at the moment due to the backdrop of rising inflation and the cost-of-living soaring. In these circumstances, it can be difficult to think about y

Oysters Guide to Maximising Pension Savings

17th October 2022

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Oysters Guide to making the most of your financial future image

Oysters Guide to making the most of your financial future

25th July 2022

It’s not surprising that the world of investing can seem complex, especially in the current global economic climate. Investors face an endless supply of market news, many investment choices and often-changing market conditions. There are a number of key p

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11th July 2022

10th Charity Golf Day Results image

10th Charity Golf Day Results

1st July 2022

A revolution in family law finally removes the need for blame as a basis for divorce. No one enters into marriage expecting it to end in divorce. However, it happens for many couples. It can be an emotionally charged time but there are things you can d

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During our working lives with sleep and work hours we can expend a lot of the 168 hours, add in family time, hobbies, some learning and social time you will probably fill the 168 hours quite easily by balancing all of the above to suit you. Will this b

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Navigating the cost of living crisis. How you can keep the cost of bills down while inflation is high

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12th May 2022

Fed up with you nine-five? Sixty is the most popular age to retire. We know you’ll have different priorities for your wealth at different points in your life. Whatever your financial aims, we can help you achieve them.

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5th May 2022

Some changes you can predict, while others you simply cannot. But that doesn't mean you can't have a plan in place to help mitigate the impacts and protect your wealth, should something change in your life, like your career, your health or even your fami

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8th March 2022

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Oyster's New Year Financial Magazine 2022

10th January 2022

Michael Osman 25 years as a financial adviser

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The State Pension image

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Oyster's Autumn Financial News Magazine Sept/Oct 2021

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Oyster's Spring May/June Financial Magazine

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4th March 2021

Cheque Presentation to The Waterside Cancer Centre image

Cheque Presentation to The Waterside Cancer Centre

18th October 2019

SO45 CHARITY GOLF DAY - Wessex Cancer Trust image

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