When a workplace pension transfer is worth a second look
Guidance from Pennycroft Financial Guidance on when consolidating UK workplace pensions helps — and when valuable guarantees make staying put wiser.
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Notes from the advising desk
Short articles on pension transfers, emergency funds before ISA rushes, protection choices, and state pension timing — written for households making ordinary, consequential decisions.
Building an emergency fund before you increase ISA contributions
Why Pennycroft Financial Guidance often asks UK clients to shore up cash reserves before maximising ISA subscriptions each tax year.
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Income protection versus critical illness — choosing the right cover first
Plain-English comparison of income protection and critical illness cover for UK households, from the advisers at Pennycroft Financial Guidance.
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Reading your state pension forecast before you set a leaving date
How to use a UK state pension forecast when planning retirement timing, with notes from Pennycroft Financial Guidance’s pre-retirement workshops.
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