Independent Pension Advice and Retirement Planning

Independent Pension Advice and Retirement Planning Westerby Investment Management Limited offer independent financial advice in a wide range of areas including pensions, retirement planning and investments. We take the time to really understand what you want from your retirement and provide solutions and strategies as to how to achieve these goals. We will work with…

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Pensions and Tax – A Brief Summary

Some of the most commonly asked questions regarding pensions and tax are outlined below. 1. How does emergency tax work? Normally the first income paid from a pension will have emergency tax applied to it, as the pension provider will need to contact HMRC to get the right tax code for the person taking the…

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Goodbye 2020, you won’t be missed!

We have now said goodbye to a year that will be remembered for a lot of the wrong reasons. Despite entering a third lockdown, the light at the end of the tunnel in terms of returning to a sense of normality is beginning to get closer with the number of vaccinations increasing. However, one thing…

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Minimum Pension Age Changes

As Independent Financial Advisers, we are constantly reviewing the shifting issues that affect your financial planning needs. One of the most significant matters that has been on the horizon for some time is the change in the minimum pension age. The government has announced that it is to undertake a review on raising the normal…

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Cashflow Modelling and Financial Planning

What is Cashflow Modelling? Cashflow modelling is used by your Westerby Consultant to forecast your future finances. It shows you in real time how much money you could have in the future and whether you are on target to achieve your goals. This can be invaluable when considering questions such as ‘do I have enough…

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Six Steps to a sound Financial Plan

Six steps to a sound financial plan: Establish short, medium and long term goals in life Identify and list down all of your Assets and Liabilities. Look closely at your current financial situation – are you close to achieving your goals? Put together a plan in order to achieve your different goal – do you…

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