Q. I have received a letter from my ISA provider stating that the number of funds in which I can invest has increased, however I cannot tell which additional funds have been added.  Can you offer any assistance, please? A. It is impossible for me to tell you which funds have been added without seeing… Read more »

Q. I am the FD and a shareholder of my family-owned business.  I have received an approach from a firm of “specialist pensions advisers” extolling the benefits of using my pension to invest in my business.  I am conscious that there are circumstances when this can be done but I am also mindful of an… Read more »

Q. I am a deferred member of a final salary pension scheme (my employer having closed the scheme to future accrual approximately two years ago).  I have received a letter that states that my employer is conducting an “early retirement exercise” and that they wish to make me an offer as part of that exercise. … Read more »

Q. I am a higher rate tax payer.  I make significant monthly contributions to my personal pension, upon which I receive tax relief at my marginal rate.  I caught sight of a newspaper headline recently which appeared to suggest that the government is set to restrict pensions tax relief to the basic rate of income… Read more »

Q. I am approaching retirement but I do not feel ready to give up working just yet.  I had planned to continue working beyond my normal retirement age, deferring both my occupational and state pensions in order to receive a higher pension when I do decide to retire.  However, my wife has suggested that, due… Read more »