--- title: Advice and insights | Pension description: Pension | Learnings, teachings and tips & tricks for anyone to reference during difficult times, stressful workdays and moments when manifesting your true self. --- Open main menu Close main menu # Advice and insights [View All Articles](https://positiveadvisersblog.fivestarmortgages.co.uk/blog) Select Category Commercial Critical Illness DFM Divorce Equity Release Inheritance tax Insurance Investment Planning Pension Private Medical Insurance Posts about: ## Pension ![pensions and inheritence tax](https://positiveadvisersblog.fivestarmortgages.co.uk/hubfs/pensions%20and%20inheritence%20tax.jpg) ### [Pensions and inheritance tax? Changes are coming!](https://positiveadvisersblog.fivestarmortgages.co.uk/blog/pensions-and-inheritence-tax-changes-are-coming) Rachel Reeves announced proposals in the budget to bring "unspent" pensions into a person's estate for inheritance tax. To understand this, let's first explain the current rules, how this desired change is being managed, and our thoughts on what you might expect to see change as a result. ![Mark Scott, Director Positive Advisers Ltd](https://positiveadvisersblog.fivestarmortgages.co.uk/hs-fs/hubfs/mark%20scott.jpg?width=45&name=mark%20scott.jpg) [Mark Scott, Director Positive Advisers Ltd](https://positiveadvisersblog.fivestarmortgages.co.uk/blog/author/mark-scott) [Read article](https://positiveadvisersblog.fivestarmortgages.co.uk/blog/pensions-and-inheritence-tax-changes-are-coming) ![Retirement planning](https://positiveadvisersblog.fivestarmortgages.co.uk/hubfs/shutterstock_1106000858.jpg) ### [Retirement Planning: The Importance of an Independent Pension Review](https://positiveadvisersblog.fivestarmortgages.co.uk/blog/retirement-planning-the-importance-of-an-independent-pension-review) As you navigate the path towards a comfortable and fulfilling retirement, Retirement planning, understanding and managing your pension can be one of the most critical financial challenges you face. ![Mark Scott, Director Positive Advisers Ltd](https://positiveadvisersblog.fivestarmortgages.co.uk/hs-fs/hubfs/mark%20scott.jpg?width=45&name=mark%20scott.jpg) [Mark Scott, Director Positive Advisers Ltd](https://positiveadvisersblog.fivestarmortgages.co.uk/blog/author/mark-scott) [Read article](https://positiveadvisersblog.fivestarmortgages.co.uk/blog/retirement-planning-the-importance-of-an-independent-pension-review) ![financial advice for divorce](https://positiveadvisersblog.fivestarmortgages.co.uk/hubfs/financial%20advice%20for%20divorce.jpg) ### [Financial Advice for Divorce, 5 Reasons for Financial Advice](https://positiveadvisersblog.fivestarmortgages.co.uk/blog/financial-advice-for-divorce-5-reasons-for-financial-advice) Seeking financial advice for divorce is as crucial as working with a solicitor to achieve the best financial outcome. Divorce is often a tumultuous and emotionally draining time, but it's also a financially complex process that can have significant long-term implications. Here are five compelling reasons to seek financial advice during a divorce. ![Mark Scott, Director Positive Advisers Ltd](https://positiveadvisersblog.fivestarmortgages.co.uk/hs-fs/hubfs/mark%20scott.jpg?width=45&name=mark%20scott.jpg) [Mark Scott, Director Positive Advisers Ltd](https://positiveadvisersblog.fivestarmortgages.co.uk/blog/author/mark-scott) [Read article](https://positiveadvisersblog.fivestarmortgages.co.uk/blog/financial-advice-for-divorce-5-reasons-for-financial-advice) ![Drawdown Pension](https://positiveadvisersblog.fivestarmortgages.co.uk/hubfs/shutterstock_165452156.jpg) ### [What is a Drawdown Pension? Pros and Cons Compared to Annuities](https://positiveadvisersblog.fivestarmortgages.co.uk/blog/what-is-a-drawdown-pension-pros-and-cons-compared-to-annuities) [As you approach retirement age](https://www.positiveadvisers.co.uk/planning-for-retirement), it's important to consider how you'll manage your pension savings. One option that's become increasingly popular in recent years is a drawdown pension. In this post, we'll explore what a drawdown pension is, how it works, and compare its benefits and disadvantages to buying an annuity. ![Mark Scott, Director Positive Advisers Ltd](https://positiveadvisersblog.fivestarmortgages.co.uk/hs-fs/hubfs/mark%20scott.jpg?width=45&name=mark%20scott.jpg) [Mark Scott, Director Positive Advisers Ltd](https://positiveadvisersblog.fivestarmortgages.co.uk/blog/author/mark-scott) [Read article](https://positiveadvisersblog.fivestarmortgages.co.uk/blog/what-is-a-drawdown-pension-pros-and-cons-compared-to-annuities) ![pensions and divorce](https://positiveadvisersblog.fivestarmortgages.co.uk/hubfs/Divorce%20photo.png) ### [Pensions and divorce - learn how a pension adviser can help](https://positiveadvisersblog.fivestarmortgages.co.uk/blog/pensions-and-divorce-learn-how-a-pension-adviser-can-help) When going through a divorce in the UK, dividing pensions can be a complex and important process that requires careful consideration. As mentioned earlier, there are two types of pensions - defined benefit and defined contribution pensions - and the rules for dividing each type during divorce can differ. ![Mark Scott, Director Positive Advisers Ltd](https://positiveadvisersblog.fivestarmortgages.co.uk/hs-fs/hubfs/mark%20scott.jpg?width=45&name=mark%20scott.jpg) [Mark Scott, Director Positive Advisers Ltd](https://positiveadvisersblog.fivestarmortgages.co.uk/blog/author/mark-scott) [Read article](https://positiveadvisersblog.fivestarmortgages.co.uk/blog/pensions-and-divorce-learn-how-a-pension-adviser-can-help) ![](https://positiveadvisersblog.fivestarmortgages.co.uk/hubfs/back%20to%20the%20sea.jpg) ### [How much should I be saving into my pension?](https://positiveadvisersblog.fivestarmortgages.co.uk/blog/how-much-should-i-be-saving-into-my-pension) Pension advice from Positive Advisers in deciding how much to put into your pension is a very personal matter. It will depend on your income now, your disposable monthly income after paying all your bills, your aspirations for retirement and most importantly your age. ![Marta Scott-Manuszewska](https://app.hubspot.com/settings/avatar/f4ade0564d46593e9c8f81a008ba21db) [Marta Scott-Manuszewska](https://positiveadvisersblog.fivestarmortgages.co.uk/blog/author/marta-scott-manuszewska) [Read article](https://positiveadvisersblog.fivestarmortgages.co.uk/blog/how-much-should-i-be-saving-into-my-pension) ![](https://positiveadvisersblog.fivestarmortgages.co.uk/hubfs/mum%20and%20son.jpg) ### [What happens to my pension if I die?](https://positiveadvisersblog.fivestarmortgages.co.uk/blog/what-happens-to-my-pension-if-i-die) Some people believe that saving into a pension scheme is pointless because they may not even reach retirement. So whats the point? Others see the many benefits of saving into a pension but are unsure of what happens to the fund if they die. I hope this blog opens your eyes to the legacy you can leave to a loved one through investing tax efficiently into a pension. ![Mark Scott, Director Positive Advisers Ltd](https://positiveadvisersblog.fivestarmortgages.co.uk/hs-fs/hubfs/mark%20scott.jpg?width=45&name=mark%20scott.jpg) [Mark Scott, Director Positive Advisers Ltd](https://positiveadvisersblog.fivestarmortgages.co.uk/blog/author/mark-scott) [Read article](https://positiveadvisersblog.fivestarmortgages.co.uk/blog/what-happens-to-my-pension-if-i-die) ![](https://positiveadvisersblog.fivestarmortgages.co.uk/hubfs/beach.jpg) ### [When can I retire?](https://positiveadvisersblog.fivestarmortgages.co.uk/blog/when-can-i-retire-1) ### What’s your magic number? Your five-year plan to a comfortable retirement. ![Mark Scott, Director Positive Advisers Ltd](https://positiveadvisersblog.fivestarmortgages.co.uk/hs-fs/hubfs/mark%20scott.jpg?width=45&name=mark%20scott.jpg) [Mark Scott, Director Positive Advisers Ltd](https://positiveadvisersblog.fivestarmortgages.co.uk/blog/author/mark-scott) [Read article](https://positiveadvisersblog.fivestarmortgages.co.uk/blog/when-can-i-retire-1) ![](https://positiveadvisersblog.fivestarmortgages.co.uk/hubfs/pensioners%20kiss.jpg) ### [Taking control over your pension pot](https://positiveadvisersblog.fivestarmortgages.co.uk/blog/taking-control-over-your-pension-pot) **Taking the reins and having more control over your pension pot** ![Mark Scott, Director Positive Advisers Ltd](https://positiveadvisersblog.fivestarmortgages.co.uk/hs-fs/hubfs/mark%20scott.jpg?width=45&name=mark%20scott.jpg) [Mark Scott, Director Positive Advisers Ltd](https://positiveadvisersblog.fivestarmortgages.co.uk/blog/author/mark-scott) [Read article](https://positiveadvisersblog.fivestarmortgages.co.uk/blog/taking-control-over-your-pension-pot) ![](https://positiveadvisersblog.fivestarmortgages.co.uk/hubfs/warning.jpg) ### [Pension scammers: spot the warning signs](https://positiveadvisersblog.fivestarmortgages.co.uk/blog/pension-scammers-spot-the-warning-signs) **Don’t lose your life savings or be persuaded to invest in high-risk schemes** ![Mark Scott, Director Positive Advisers Ltd](https://positiveadvisersblog.fivestarmortgages.co.uk/hs-fs/hubfs/mark%20scott.jpg?width=45&name=mark%20scott.jpg) [Mark Scott, Director Positive Advisers Ltd](https://positiveadvisersblog.fivestarmortgages.co.uk/blog/author/mark-scott) [Read article](https://positiveadvisersblog.fivestarmortgages.co.uk/blog/pension-scammers-spot-the-warning-signs) [1](https://positiveadvisersblog.fivestarmortgages.co.uk/blog/tag/pension) [2](https://positiveadvisersblog.fivestarmortgages.co.uk/blog/tag/pension/page/2) #### Five Star Mortgage Services - [Residential Mortgage](http://www.fivestarmortgages.co.uk/en/residential-mortgage) - [Commercial Mortgage](http://www.fivestarmortgages.co.uk/en/commercial-mortgage) - [Our Insurance](http://www.fivestarmortgages.co.uk/en/our-insurance) - [Employee Benefits](http://www.fivestarmortgages.co.uk/en/employee-benefits) - [Will Writing Services](http://www.fivestarmortgages.co.uk/en/will-writing-services) #### Postive Advisers Financial Services - [For Business](https://www.positiveadvisers.co.uk/business) - [For Individuals](https://www.positiveadvisers.co.uk/individuals) - [Development Finance](https://www.positiveadvisers.co.uk/development-finance) - [High Net Worth Mortgages](https://www.positiveadvisers.co.uk/high-net-worth-mortgages) - [Assets of £550k to 2 Mill](https://www.positiveadvisers.co.uk/assets-of-500k-to-2-million) [![Contact Positive Advisers for Financial planning advice.](https://no-cache.hubspot.com/cta/default/20233606/8217c43c-f2e1-4c4e-90d4-36a8b69c0b83.png)](https://cta-redirect.hubspot.com/cta/redirect/20233606/8217c43c-f2e1-4c4e-90d4-36a8b69c0b83) --- [![Contact Five Star Mortgages](https://no-cache.hubspot.com/cta/default/20233606/2bfa28a1-5449-4b20-8b30-59236d926188.png)](https://cta-redirect.hubspot.com/cta/redirect/20233606/2bfa28a1-5449-4b20-8b30-59236d926188)