Active Retirement

For many, early retirement is a great decision where you can leave your life of work behind and begin a life of being content and relaxed as soon as you can afford it. However, for some people, early retirement is unexpected through their employer cutting back or if you were to fall ill. Whatever the situation Campbell Thomson can help

Middle Life

At this age, it is common for many to have a mid-life crisis. With this aside, this point in your life is a good time to focus on your future: increase your pension, consider your investment portfolio, and plan for future unexpected illness or long-term care needs.

Losing Your Job

This can be an extremely fraught and worrying time. However, you need to consider careful investment of your redundancy payment. This could be your opportunity to explore your entrepreneurial side.  Campbell Thomson can help guide you through this difficult time.

Living Outside The UK

Offshore funds can therefore be useful for savings and investments.

Most UK investments are not available to citizen of the United States of America.

If you have worked abroad, you will know about all about the tax advantages: any income secured from assets outwith the UK are often free from tax in the UK provided it is left overseas.

Not all tax planning solutions are authorised and regulated by the Financial Conduct Authority.

If you are considering overseas work, speak with Campbell Thomson regarding tax efficient savings and investments.

Unexpected Money

At some point in your life, you may receive money unexpectedly. Do not rush in, take time to consider the alternatives available.

You may wish to invest part of your windfall. If this is an option for you, Campbell Thomson can help. Inheritance tax, for example, may be a new issue for you.

Ill Health

Unfortunately, at this period in your life it is possible that you may fall ill. You need to think about how you will support your family if this were to happen. You can discuss critical illness cover and private medical insurance with your Independent Financial Adviser.