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Joshua Gerstler
Media Coverage
FTAdviser
‘Many forward-thinking firms see chartered as absolute must’Being chartered is a must-have for many but why do financial advisers really strive to have the designation?
The Independent
Experts share their tips for improving your finances without earning morePersonal finances can be improved through steps such as budgeting, building savings, insurance and pensions
The Armchair Trader
Can a Stocks & Shares ISA beat a Cash ISA?While more Brits are opening cash ISAs to take advantage of higher interest rates, they are ignoring the returns of stocks and shares.
Birmingham Live
State pension must be ‘means tested’ with Triple Lock hike in doubtA 0.1 percentage point increase could add around £100 million to the pension costs in a blow to the new Labour Government.
Express.co.uk
Financial expert issues warning over future State Pension paymentsChartered Financial Planner Joshua Gerstler has discussed the phased introduction of means testing for the State Pension
GB News
'State pension needs to be means-tested' say analysts as triple lock viability questionedAnalysts are calling on the state pension to be "means-tested" amid ongoing concerns over the long-term viability of the triple lock.
econostrum.info
Will UK Pensions Run Out? Experts Sound Alarm Over Depleting FundsPressure mounts on Chancellor Rachel Reeves to adjust State Pension, but experts warn of long-term economic risks and the potential depletion of pension funds.
Cambridgeshire Live
Government ‘can’t afford’ current and future state pension ratesThe Department for Work and Pensions (DWP) could uprate the State Pension by as much as £460 next year
Moneyweek
The 4% pension rule to retire comfortablyEver wondered when the best time is to retire and how to access your pension pot? We explain how the 4% pension rule could help you retire comfortably.
The Scotsman
Black Monday: What the current stock market turbulence means for your savings and investmentsThe FTSE 100 plunged in early trading today after an expected global stock market rout started overnight, with Japan's Nikkei 225 index suffering its worst day since 1987.
Daily Mail
Pound climbs to highest level in a year amid boost for UK touristsSterling rose to nearly $1.30 this afternoon after strong economic growth cast fresh doubt over when the Bank of England will finally cut interest rates next month.
Moneyweek
How married couples can boost their retirement wealth by £410,000Married couples can increase their pension pot by making use of each other’s tax allowances. Here is how much extra you could earn
Express.co.uk
How big your pension pot should be at 50 as expert lifts lid on exact amountEXCLUSIVE: While there is a general rule of thumb on how much you need in your pension pot at 50, there are several factors to consider, a financial expert says.
Moneyweek
Is a Conservative or Labour government better for the stock market?The policies of the new government after the general election could have a big impact on the stock market. Here is how the FTSE 350 has fared under previous prime ministers.
Moneyweek
How much retirement income would you get from a £250,000 pension pot?Knowing how much you can generate from your pension pot will make it easier to plan for your golden years. What would your retirement income be with a £250,000 pension pot?
Freelance Informer
Advisors reveal bizarre reasons clients don’t take out life insurance - Freelance InformerBrits are skipping life insurance despite rising costs due to some surprising reasons, according to financial and legal experts.
The Intermediary
Brokers share most bizarre reasons why borrowers refuse life cover - The Intermediary - Latest UK mortgage news“The Government will pay the mortgage” & “smoking is not bad for you”, are among the strangest reasons why borrowers have refused life cover.
The Telegraph
What is pension drawdown?Telegraph Money explains how to manage your pot through flexi-access drawdown without letting it run out
Moneyweek
More than £4 billion of tax reliefs and perks are unclaimed – does HMRC owe you money?We explain the main tax reliefs people fail to claim for and how to get your money back before the end of the tax year
Moneyweek
State pension fund ‘to run dry’ in 20 years ‒ will you get one?Spending on state benefits, including the state pension, are set to escalate in the years ahead. Will you still get a state pension?
eyesonnews
Can Your Retirement Dreams Come True In 2024?Can Your Retirement Dreams Come True In 2024: This year has been an interesting time to retire because of high inflation.
Moneyweek
Can you afford to retire in 2024?From interest rates to inflation and the economic climate, there are plenty of factors to consider if you plan to retire next year – here is how to prepare
The Telegraph
Your retirement income could be taxed – here’s how to get your return rightTelegraph Money shares tips on how pensioners can prepare for self-assessment
FTAdviser
Adviser raises consumer duty concerns over Hargreaves’ cashback offerRowley Turton director, Scott Gallacher has questioned whether Hargreaves Lansdown’s cashback offer adheres correctly to the consumer duty rules.
Birmingham Live
500,000 UK households will have £500 wiped from bank account each monthThe FPC said in its latest Financial Stability Report that around 500,000 households could experience a monthly increase of more than £500 by the end of 2024.
The Intermediary
Brokers react to the FCA’s ‘Consumer Duty Next Steps’ WebinarThe webinar revealed that over 70% of FCA-regulated firms feel confident with their Consumer Duty implementation.
Evening Standard
‘Lived experience’ of inflation much higher than CPI figures, new ONS data suggestsNew figures published by the ONS today suggest costs were rising by 8.2% in September, well above the official inflation rate
AOL
‘Lived experience’ of inflation much higher than CPI figures, new ONS data suggestsNew figures published by the ONS today suggest costs were rising by 8.2% in September, well above the official inflation rate
Yahoo Finance
‘Lived experience’ of inflation much higher than CPI figures, new ONS data suggestsNew figures published by the ONS today suggest costs were rising by 8.2% in September, well above the official inflation rate
The Intermediary
39% of adults say they will not be able to save money in the next 12 months – ONSIn addition, around four in 10 (40%) adults reported that affording their rent or mortgage payments remained very, or somewhat, difficult.
The Guardian
Hunt’s pension ‘pot for life’ idea would be nightmare to establish, experts sayProposed shake-up is welcomed in principle but doubts are raised about the administrative realities
Financial Reporter
"Unworkable" and "incoherent": advisers respond to 'pension pot for life' announcementAdvisers said that although a single pension pot could be beneficial for employees, it would be a "nightmare to establish".
FTAdviser
Client advice: how safe are pension buyouts?Insurance buyouts and buy-ins are big business, as many final salary schemes sell out their assets to an insurer in order to guarantee member benefits.
Express.co.uk
Public sector pensions are set to rise again...at taxpayers’ expenseCivil servants, teachers and NHS staff are among those benefiting from the 6.7% inflation figure announced earlier this week.
Proceed with trial
Employer pension contributions can be worth a tax chargeOpting out of employer pension schemes is rarely worthwhile, even if there is a tax charge
Moneyweek
The 4% pension rule to retire comfortablyEver wondered when the best time to retire and access your pension pot is? When and how you do it can make a difference to the income you end up with. Can the 4% pension rule help you retire comfortably?
FTAdviser
Advisers praise Labour for ruling out wealth taxAdvisers have said that Labour ruling out a wealth tax is “good news for hardworking Brits” and praised the party for avoiding “a tax on success”.
FTAdviser
Number of clients forgetting inflation ‘surprising’, say advisersIt is “surprising” how many savers have forgotten about inflation as more clients look to put money in cash, advisers have said.
SamacharCentral
Savings warning as ‘millions of pounds lost’ in zombie accounts despite interest rate rise | Personal Finance | Finance -...Experts are sounding the alarm for Britons, highlighting that millions of pounds are being lost in zombie accounts despite the significant rise in interest
Business Telegraph
Savings warning as ‘millions of pounds lost’ in zombie accounts despite interest rate riseExperts are warning Britons that “millions of pounds in interest is being lost” in zombie accounts despite interest rates rising significantly over the past year. Savings accounts have benefited from the...
London Loves Business
It’s surprising ‘how many savers forget about inflation’ and should switch to higher interest accountsAs interest rates on savings accounts rise, financial advisers are reporting that they are getting more enquiries from clients about putting their money
BirminghamLive
‘Zombie bank account’ warning to UK customers who risk losing thousandsYou could be missing out on decent returns by leaving your cash sitting in a current account or low-paying savings account, experts are saying.
FTAdviser
Millions could be lost in ‘zombie’ accounts, advisers warnNeglected bank accounts paying poor interest rates could be costing savers millions of pounds, advisers have warned.
The Sun
Bank warning over ‘zombie’ account that could see you lose cashMILLIONS of Brits could be missing out on thousands of pounds when storing their cash in ‘zombie’ accounts. It means that those with a decent amount of savings could be missing out on b…
The Times
Should I pay off my mortgage early or boost my pension?A mortgage and pension are the two biggest financial responsibilities a person will have — but which should you prioritise in a crisis?