Advice Centre

EQ is a full range financial advisory firm. We strongly believe that most people value the benefits of personal advice when dealing with their life savings. In this section we highlight some articles and case studies written by our award-winning technical team.

Retirement Planning

Using your savings well in retirement is one of the great challenges. The articles below highlight some of the most common issues.
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Reviewing your Final Salary pension
Often described as the Gold Standard of pension schemes, these provide guaranteed benefits to those lucky enough to have them. However, guarantees are only as good as the organisation giving them and only worthwhile if they are relevant to you. ....more
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All about Income Drawdown
This article explains the pros and cons of Income Drawdown and what this could mean for your retirement planning under the new pension freedom rules. ....more
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All about annuities
Annuities often get a bad press but they remain the only instrument that is guaranteed to provide an income for the rest of your life ....more
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Making a will
Many people do not think about writing a will until later in life, but especially for those with children we recommend doing this as soon as possible. ....more
Dan Atkinson
How long will you live?
For many years this has been largely a philosophical question, or a quandary for actuaries at insurance companies. However in the new world of pension flexibility in which an annuity is no longer compulsory it has become a critical question: which will last longer – our money or our life? ....more
EQ can create a personal financial plan for you.

Tax Planning

Tax an have a seriously negative impact on your investment returns, so it's well worth making full use of the various allowances and avoiding some tax traps.
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Tax matters
How much tax do we pay? This page summarises the main rates and allowances. The current tax year runs from 6 April 2017 to 5 April 2018. ....more
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Loss Relief can boost EIS returns
Unsuccessful EIS & SEIS investments are eligible for Loss Relief whilst the winners incur no CGT. Consequently a portfolio of winners and losers can produce a better return than one where the returns are identical. ....more
EQ has developed a unique online tool for demonstrating the relative attractions of ISAs, SIPPs and Investment Accounts.

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Free EQ guides

10 Tips for Investing a Windfall
10 Tips for Investing a Windfall

Coming into money isn’t something that happens often. Before you commit yourself to spending, investing, giving gifts or even giving up your job, here are some tips on how to make your windfall work for you in the long run.

Financial Planning Services
Financial Planning Services

EQ is a Chartered Financial Planning firm able to offer a wide range of services to private clients including tax optimisation, retirement income planning and estate planning.

Final Salary Pension Transfers
Final Salary Pension Transfers

The April 2015 Budget saw the most radical changes to the pensions landscape for a generation, but the new flexibility on offer is only available to personal pension holders. Members of final salary schemes can only access the new rules by transferring to a personal pension.

Saving Inheritance Tax
Saving Inheritance Tax

This guide explains how planning ahead of time can provide for – and in most cases reduce – the amount of tax that is ultimately due on your estate.

Spring Clean Your Finances
Spring Clean Your Finances

When it comes to money, it is fairly easy to get so entangled in the jargon that you lose sight of basic sound financial planning principles. This guide provides some pointers on important steps to take, and a few pitfalls to avoid, along the road to a healthy financial future.

Enterprise Investment Schemes
Enterprise Investment Schemes

The Enterprise Investment Scheme (EIS) was initiated by the UK Government in 1993 in an attempt to promote funding for small private companies. It offers a host of attractive tax incentives, including 30% upfront Income Tax relief and the ability to defer tax on a capital gain.

Useful sites

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How long does your pension need to last?
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General advice on savings and debt
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Current savings rates
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Impartial advice on pension options
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An independent source of advice and information on pensions