The cost of living is a hot topic at the moment.  Increasing costs and inflation are hitting individuals in a very obvious and difficult way. Where do and should pensions fit into all of this? Balance of living for now v saving for later ..read more

We had a request! Can we please talk about the Minimum Pension Age changes. Aye - here you go! Short but sweet. Earliest age at which you can access your pension benefits. So short, Laura is flying solo ..read more

With the McCloud Ruling coming into law from 1 April 2022, the countdown is on. Pen-gage have run many webinars for Public Sector employers and individuals over recent weeks to explain what these changes mean. Given the proximity to the 1 April - this podcast is dedicated as another recap of what this ruling is, picking up on some of the FAQ and discussing any action that people do or do not need to take ..read more

Short but sweet! Laura & Nigel are discussing an underutilised salary sacrifice option to help individual obtain pensions guidance and 'advice ..read more

EPISODE 10!!   *Warning* This episode is 45 minutes long (Laura was two cups of coffee in before she started!) Just over 4 months until the new legislation kicks in which will effect the McCloud Ruling/remedy.  Over the last few weeks we have heard some awful and frightening rumours about what people think this change means. We have had a go a dispelling some of those myths and re-explaining the concept as succinctly as we can! We also decided to touch on this thing called the 'cost cap' which some of the unions are heavily involved in at the moment. Have a listen.   ..read more

13 September 2021 marks the start of Pensions Awareness Week.  In this episode of the Podcast Laura and Nigel discuss the pros and cons of awareness weeks. What is really meant by awareness?  Strategies to improve awareness - the five point plan and Bacon.  Also Bacon ..read more

Laura is flying solo in this episode.  She is explaining a little bit about: Pension tax reliefs What the Annual Allowance is How pension growth is measured Options for paying any pensions tax due How this position can arise This does not contain all information pertaining to the allowance and you will need to ensure that you understand your own circumstances.  It might however provide some insight and some tips. Not financial advice ..read more

This is the first of our podcasts and we are starting off gently with some of the wider pensions issues.  First things first, people just don't like to love their pension. #headinthesand Nigel and Laura discuss some of the reasons people do not actively engage with their pension. Nigel makes a terrible dad joke, talks about his dad - who has been in retirement longer than he was at work and reads the results of a recent poll we undertook. Laura expresses her discontent at the use of pensions jargon, the fact that her husband has only ever sent three emails in his entire life and drops ..read more

Sort of pensions sort of a bit not really. In this episode Laura and Nigel both tell awful jokes, look at some of the issues around engaging with money.  Rattle off a list of hints and hacks and take a dip into some thoughts around savings and pensions. So, if you want to find out how to get a cheap MOT, or how to get free money and listen to the rather disturbing money hacks some of our listeners have (stay on till the end)... take a listen ..read more

Nigel grills Laura on what gives her a bee in her bonnet on social media - in pensions. On the day of Eng vs Ger, what's Laura most agitated about? Particularly NHS Pensions, opts outs and early retirement positioning along with pensions tax ..read more