How many years NI do I need for a full state pension?

Under the new State Pension rules you will usually need at least ten qualifying years on your National Insurance record to get any State Pension. You'll need 35 qualifying years to get the full new State Pension.

What is the benefit of a pension review?

What is the benefit of servicing your car every year? Making sure the brakes work, making sure the engine is running smoothly and efficiently for the best performance. A regular review ensures you are on track or identifies any shortfalls that need addressing.

How much is the UK state pension?

The full new State Pension is £175.20 per week. The actual amount you get depends on your National Insurance record. The only reasons the amount can be higher are if you have preserved benefits such as Additional State Pension.

Why should I use retirement cashflow modelling?

Cashflow modelling brings real clarity to your decision making, enabling you to model your current strategies. You can also looking at 'what if' scenarios which can model extra savings, different investment returns, early retirement analysis and many more.

I don't see or hear from my adviser, is it worth switching?

A financial adviser is expected to provide an ongoing service of review and advice, to ensure your financial plans are on track to meet your needs. If this service is not being provided, you could speak to your current adviser for an explanation, but you are free to seek an alternative adviser at any time.

WHAT IS A PENSION REVIEW SERVICE?

An opportunity to assess all of your pension plans for suitability, cost and investment options, to provide real clarity on where you currently are, and what this might provide as an income when you retire. Combining this with a full financial review will place these plans in context, with your other assets. Goals could also help you create a realistic strategy for all the significant events in your life.

CAN I RETIRE ON £300k?

The focus should not be the capital amount (£300k), but what retirement looks like, what you are likely to spend and how long that is going to last. Your Financial Adviser can calculate this through cashflow modelling with

HOW MUCH DO I NEED TO RETIRE?

We would need two responses from you to answer this question. 1) What are you spending now on living costs and leisure? 2) What are you likely to spend in retirement on living costs and leisure? Once you have these numbers, a strategy of saving and investment could be put in place to help reach your desired lifestyle in retirement.

I AM GETTING DIVORCED. HOW WILL THIS AFFECT MY PENSION?

Divorce is a complex area, and you should seek advice from a qualified adviser. Pension plans are typically included when assessing the assets of both parties in a divorce. A Pension Sharing Order could be applied to your pension, transferring ownership of some of your pension plan to your former partner.

Causes sponsored by HB Partners

We will support two charities every year, each for 6 months

When a cause that we care about comes to our attention, we support it where we can.

Charities & Communities

Home > About Us > Charities and Communities

The Little Local Book Hub – who are we?

“Like an open air library. Except you don’t have to be a member. And you can keep the books if you want to.”

It all started as a simple idea to make life under the coronavirus lockdown a little bit enjoyable.

Monique Hershkorn, an avid reader, decided to put a box of her unwanted books on the front lawn of her home in Stanmore, Middlesex, so that other residents in her street could enjoy them. There were just 7 books in total, as she has a Kindle and very few paperbacks. She then posted on The Stanmore Group on Facebook for locals to stroll by and grab a free read and invited them to donate a book in exchange. From that modest start, the concept grew and grew.

Over the last two months, more Little Local Book Hubs have opened, and we now have over 25 hubs all over the southern half of the country.

The idea is simple: visit the hub, browse the books, take a few, swap a few! All the books in the hubs are pre-owned, read and donated by local residents. There's no charge, and no membership. Just come along and enjoy!

From time to time, we highlight & support local community causes.

Currently, we are promoting THE LITTLE LOCAL BOOK HUB

We also support local communities.

Each month we will highlight and financially support a community project which means a lot to us.

www.littlelocalbookhub.uk

For other enquiries,or to find out how to set up your own hub,

please email info@littlelocalbookhub.uk

The Little Local Book Hub on social media!