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Expert Guides

Welcome to our guides section. Whether you want to find information on general financial planning, buying an annuity, making a will or simply planning for a comfortable retirement, you will find a guide to suit your needs here.
(These guides are provided for informational purposes only. You should always seek appropriate professional advice before making any decisions in these areas.)

The guides will be continually updated and new ones will be added to keep you abreast of any changes that may impact you

The Sandringham Expert Guides are designed to provide expert information on a variety of financial issues.

Investing for income when you retire

Planning the longest holiday of your life - There comes a time when you stop working for your money and put your money to work for you. For most people, that is reti...

Workplace pensions and auto-enrolment

Nudge, nudge… Automatic enrolment has ‘changed the UK workplace forever,’ according to the National Association of Pension Funds (October 2013). The Department for ...

Pensions freedom - drawing from your pension

Radical reform - The changes revealed in the 2014 Budget were described by some retirement planning experts as a pensions revolution. The radical proposals came as a...

The taxations of investments

Increasing complexity - The taxation of investments has never been a simple matter. In recent years it has become more complex as successive governments have chosen ...

Pensions and tax planning for high earners

The rising tax burden on income - If you find more and more of your income is taxed at over the basic rate, you are not alone.

Investing for children

Most parents want to help their children financially, whether it is making sure there is enough money for their education or helping them to buy a property. An early...

Investment planning and asset allocation

Investment planning is now more of a science, rather than an art. Technology, ever-increasing investment opportunities and stricter regulation have all encouraged th...

The key stages of financial planning

Financial planning has witnessed significant change, so it is not surprising that most people are unclear about what financial planners actually do. The aim of this ...

You and yours - estate planning

What does ‘estate planning’ mean to you?  For many people, estate planning is pushed to the bottom of the ‘do later’ list, like tax returns.

Financial protection - for you and your family

Protecting what matters most - Life and health insurance protection underpins most good financial planning. These types of insurance can ensure that if the worst sho...

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