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Working out how to make adequate financial provision for retirement is one of the most important financial decisions most of us will ever face. On page 08, we consider how it can be a daunting topic, with the options seeming to be overwhelming. Over the past year, there has been a seismic change to the retirement landscape with the introduction of the Government’s ‘pension freedoms’ announced in the 2014 Budget.

On page 10, with Christmas just round the corner, making an investment for your children or grandchildren is a great way to give them a financial start in life, long after the festivities are over. Even small amounts can really add up if you save regularly from a child’s birth, and there are many ways to invest on behalf of a child.

No one likes to think that something bad will happen to them. If you couldn’t work due to a serious illness, how would you manage? Could you survive on savings or sick pay from work? If not, you may need some other way to keep paying the bills – and you might want to consider income protection insurance. Turn to page 04 to find out more.

Also inside this issue, we look at taking risk with some of your money to achieve a sustainable retirement income, putting money aside for the proverbial rainy day, and how wrapping up with an ISA can be very tax-efficient. The full list of the articles featured in this issue appears on page 02.

We hope you enjoy reading this issue and find it informative. To discuss any of the articles featured, please contact us.