t: 0141 221 4442



Financially unprotected

Dads putting their family’s financial security at risk if the unexpected were to happen

What would happen to you and your family in the event of unforeseen circumstances, such as the diagnosis of a serious illness or premature death? Worryingly, research from Scottish Widows reveals that more than half (53%) of men in the UK with dependent children have no life cover, meaning that 3.9 million dads[1] are potentially putting their family’s financial security at risk if the unexpected were to happen.
Read the rest of this entry »

New state pension Age

How will it affect your retirement plans?

Will you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.
Read the rest of this entry »

Family Succession planning

Taking advice early and developing a personal financial plan is crucial to meeting long-term goals

Succession planning may be one of the most challenging experiences facing any leader, especially an entrepreneurial business person who has built a family business from scratch, so it is crucial to get right. For a family business, transition is a once-in-a-lifetime decision. Perhaps no challenge has as much potential to exacerbate the special stresses – or, conversely, highlight the special advantages – of operating a family business.
Read the rest of this entry »

Long – forgotten plans

Managing your pension savings effectively and efficiently from a single pot

If you’ve worked for two or three different employers, it’s possible you could have a workplace pension from each of them. You might also have set up a personal pension, so they can add up quickly.
Read the rest of this entry »

Planning for your retirement

Getting ready to slow things down

One of the critical aspects of retirement planning is how you structure your financial
affairs to make sure you have sufficient money if and when you stop working.
Read the rest of this entry »

Investing for income

How certain innate behavioural traits influence our decision-making

With historic ultra-low interest rates on savings, many investors over the past decade have turned to income-paying funds as an alternative to cash-based savings. Changing life plans and priorities mean we now encounter varying income needs and goals throughout our life and, when investing, certain innate behavioural traits will influence our decision-making. For many people seeking to generate income from savings, the ten years since the financial crisis in 2007/08 have been a major challenge.
Read the rest of this entry »

Pension Freedoms

Will the new retirement rule of ‘no rules’ offer people a better financial future?

Following pension reforms, there are now more options for using your private pension pot. Since April 2015, some people over 55 have greater freedom in how they can access their pension pots – the money they’ve built up during their working life.
Read the rest of this entry »

Shopping around for a better deal

Consumers lost £130 million by sticking with the same pension provider in 2016

New research finds consumers could be missing out on thousands of pounds in retirement by not shopping around for their pension product. This means their pension pot may not stretch as far as they hope it will, yet a significant proportion of people expect their retirement income to cover much more than just the essentials.
Read the rest of this entry »

Savings behaviour

UK pension system is sustainable but inadequate

It’s been estimated that 18% of earnings need to be saved each year to achieve an adequate income during retirement, an International Longevity Centre (ILC) report has concluded.
Read the rest of this entry »

Wealth generation

Are you getting tax-efficiencies on the gains you make from the money you invest?

Whatever you’re putting money aside for, there’s likely to be a role for Individual Saving Accounts (or ‘ISAs’). If you’re looking to grow your money over many years – perhaps to fund a dream purchase or help you in retirement – cash might not be the right option, especially when the interest rates on Cash ISAs are near all-time lows.
Read the rest of this entry »


Independent Advisers (Scotland) Ltd
Independent Advisers (Scotland) Limited is registered in Scotland
Registration No. SC252740

Registered office: 81 St Vincent Street 2nd Floor, Glasgow, G2 5TF
Tel: 0141 221 4442
Email: enquiries@iascotland.com

The material on the site is the copyright material of Independent Advisers (Scotland) Ltd. You may not copy, reproduce, republish, disassemble, decompile, reverse engineer, download, post, broadcast, transmit, make available to the public, or otherwise use Independent Advisers (Scotland) Ltd content in any way except for your own personal, non-commercial use. This includes but is not limited to all individual fund manager data such as rankings of fund managers and ratings of fund managers. Independent Advisers (Scotland) Ltd does not accept any liability for your reliance upon, or any errors or omissions. Any other use of Independent Advisers (Scotland) Ltd content requires the prior written permission of Independent Advisers (Scotland) Ltd.

© 2013 Independent Advisers (Scotland) Ltd. Independent Advisers (Scotland) Ltd is authorised and regulated by the (Financial Conduct Authority no: 432413 and is bound by its rules. Your home may be repossessed if you do not keep up repayments on you mortgage. Will writing is not regulated by the Financial Conduct Authority.