Credencis Blog
Look out for interesting articles written and released by the Credencis team on a regular basis. Releases often include changes in the industry, new offers, and strong advice to help individuals make better decisions with their savings and investments.
Could labour scrap pension tax-free cash and what would it mean for you?
After 14 years of Conservative leadership, Labour’s July 2024 general election victory means that it is the new chancellor, Rachel Reeves, who will deliver the UK’s Autumn Budget next month. Having already spoken at length about the £22 billion “black hole” in the...
Top Rated Advisor 5th Year Running
Brian Flindall Recognized as Top Financial Adviser for the 5th Consecutive Year Amidst Challenging Economic LandscapeNavigating Rising Interest Rates, Flat Markets, and an Unprecedented Mortgage Market In an era marked by economic unpredictability, financial markets...
The economy in 2024 – and why now isn’t the time to ditch your investments for cash savings
A look at the FTSE All-Share Index over the last 25 years highlights two key points about stock market investing:Despite visible dips coinciding with (among other events) the Iraq War, the 2008 financial crisis, and a global pandemic, the value of a long-term...
Brian Flindall of Credencis Recognized as a Top Financial Adviser for the Fourth Time
The financial planning landscape is filled with numerous professionals, but only a select few manage to consistently rise to the top based on customer reviews and satisfaction. One such exceptional financial adviser is Brian Flindall, the founder of Credencis, a...
Should I consolidate my pensions
It depends on your individual financial situation and goals. Consider the following factors before consolidating pensions: e.g. age, conditionse.g. life, disabilityConsolidating pensions can simplify your finances and make it easier to manage your retirement savings,...
Your Credencis market update: Summer 2022 and beyond
Back in March 2020, the BBC reported on the effect of coronavirus on global markets. The FTSE 100, the S&P 500, and the Dow all suffered their worst days in 30 years. A slow pandemic recoveryfollowed. Now, as we head into summer 2022, what can the last 12 months...
VouchedFor Top-Rated Adviser 2022
Each year, financial website VouchedFor – in partnership with The Times – produce their “Guide to the UK’s Top-Rated Financial Advisers”. The list is based entirely on client reviews and we are proud to announce that Credencis’s Brian Flindall has made the list for...
Making contributions into your pension as a company director
Since the introduction of auto-enrolment, as a company director, you have been obliged to make contributions to your employees’ pensions. But what about your own retirement provision? You can make contributions as an individual or via your limited company and claim...
Pension or JISA? The best way to save for your child or grandchild
The best way to help your child or grandchild secure a stable financial future is to save on their behalf. And to start saving early. Whether you want to help them through university, onto the property ladder, or even provide them with income in retirement, putting...
VouchedFor Top-Rated Adviser 2021
Each year, financial website VouchedFor – in partnership with The Times – produce their “Guide to the UK’s Top-Rated Financial Advisers”. The list is based entirely on client reviews and we are proud to announce that Credencis’s Brian Flindall has made the list for...
Portfolio Management
Portfolio Management Service Keeping track of your assets, investments, and savings takes a certain amount of dedication to ensure that they produce healthy returns that either meet or exceed your expectations. Credencis schematically assess each individual client to...
Retirement Options
Pensions And Annutities Explained for Individuals And Employers A series of articles that detail the types of pensions and annuities commonly available on the open market along with information for employers and their responsibilities.Article matrix focusing on...
Credencis Guide to Pensions
Credencis Guide to Pensions This is a guide to pensions, what you are entitled to and how saving into a particular pension type affects the options available to you.What type of pension do you have? There are three main categories of pension available, these...
The importance of having a Lasting Powers of Attorney
The television presenter, Kate Garraway, has recently spoken of the difficulties she is facing due to not only her husband being in hospital in a coma due to his awful fight with the Coronavirus, but also dealing with general paperwork is becoming more and more...
Planning your retirement? Our pension drawdown calculators can help you.
Helping you save and plan for retirement is one of the most important things a financial adviser can do for you. Living comfortably in the present, while having confidence that you can afford your desired lifestyle in retirement is a tricky balancing act, but a good...
What is ethical investing and is it the future of investment?
A recent study has revealed the unexpected environmental impact of Europe’s coronavirus lockdown. Acknowledging the ‘widespread human suffering’ that Covid-19 has brought, the Centre for Research on Energy and Clean Air goes on to confirm the impact of improved air...
Coronavirus and your pension: 3 things to consider
The Corona Virus Outbreak Amid the current coronavirus outbreak, we’re all battling to keep up with the raft of new phrases entering everyday language – ‘social distancing’, ‘self-isolation’, ‘furloughing’. With the UK in lockdown and the pandemic set to impact on all...
Pension Transfer Gold Standard
What is the Gold Standard Defined benefit transfer is strongly regulated by the Financial Conduct Authority, subsequently financial advisers who are authorised to provide advice have to adhere to a strict set of rules and guides. The Gold Standard is a code of good...
Vouched For
A year in review(s) – a word from Credencis Director It was an unexpected honour to be presented with the top rated award for financial advisers in the East Midlands region for 2019. The team continues to work hard, be diligent and provide a very good level of source...
Changes to The UK State Pension
The State Pension is likely to be a key source of income for many people when they retire. The new State pension was introduced in April 2016,replacing the previous two tier system, and the State Pension age has been equalised at age 65 for men and women before it...
Inter-generational Planning Pension Planning for Millennials
The Press has been awash with articles in recent months on the importance of early engagement and education on Pensions following reports by the Financial Conduct Authority and Investment Association. The UK regulator has proposed a number of reforms to protect...
Do you have a lump sum to invest into your pension?
Invest in your pension at the high earning rate to maximise your tax relief You can put money into a pension even where you belong to a work pension scheme: the only limit currently applying is that savers do not exceed the annual maximum contribution of £40,000....
10 Pension Tips
1 - Pension Freedoms - What are your next steps? Make sure you have a clear picture of what pensions you have- some people lose track of old pensions from previous jobs, especially after moving property. Use the free government service to track down your money:...
Are you looking for Pension Advice?
Credencis are Pension Transfer Specialists based in the UK offering an inital free pension advice service. Initially most consumers will google Martin Lewis, Citizens Advice, Pension Wise, or the Money Advice Service for free information. Common searched for questions...
Loopholes to Maximise Your Pension
Try these loopholes to maximise your pension1You are over age 55, and already receiving your drawdown pension. Invest up to £4,000 per year into a pension, you pay £3,200 net and this is topped up by 20% tax relief. Immediately you withdraw the money. The first 25%...
The best and worst annuity providers in 2017
According to FT Adviser These Are Currently The Best Annuity Providers At the bottom of the pack are the Prudential who are now closing their annuity business, probably due to consistently poor performance . As of 06/02/2017 10-year gilt yields value of...
How much pension money can you release?
Releasing money from your pension fund allows you to access your savings before you retire, or before the full term of the pension is up.Release 25% Tax FreeYou can take up to 25% of your pension’s value, completely Tax Free, as a cash lump sum to spend on whatever...
Swap Your Final Salary Pension For Cash?
Is it wise to swap your final salary pension for cash ? The new pension freedom rules arrived in April 2015 to a blaze of publicity. Anyone with a 'money purchase' scheme, also known as 'defined contribution can access their money from age 55. It's good practice to...