What we think


The ‘not so’ Affordable Care Act 2014

The recent Care Act 2014 – dubbed the “Affordable Care Act 2014” – hit the headlines for capping care fees at £72,000.  But scratch below the surface and you could end up paying five times that amount, with those in the South West being hit harder than most. Pensioners and their families who are expecting… Read more


Don’t Pull the Trigger

Hidden amongst the inevitable ‘small print’ in George Osborne’s most latest batch of reforms to pensions, most of which are due to take effect from 05 April 2015, are some ‘easy to miss’ dangers, for individuals who use ‘money purchase’ pension shares to save for their retirement. As with most radical reform to regulations there… Read more


Care Act 2014 – The Impact on the cost of Care Fees

On the 14th May the Care Bill received Royal Assent and became the Care Act 2014.  The Act represents the most significant reform of care and support in more than 60 years. On the plus side the Act introduces a cap on the amount people will be required top pay towards the cost of their… Read more


Picture of Weymouth Harbour & boats

Test Achat

I have received quite a few queries recently on what the final outcome was of the Test Achat case on gender equality in annuity rates. Well it didn’t quite work out as the gloom and doom predicted by some. Quite a few pundits were expecting male annuity rates to drop to the same level as… Read more