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We can help you plan by ensuring you have the best pension scheme possible now and at retirement

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With so many choices, leave it to us to help make your money work harder for you.

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We can support your business development plans with advice on growth, restructure and commercial lending

Your home may be repossessed if you do not keep up repayments on your mortgage

The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested.

State pension age hits 66

The age at which most people start to receive the state pension has now officially hit 66 years, meaning that men and women born between 6 October, 1954, and 5 April, 1960, will start receiving their pension on their 66th birthday.

For those born after that, there will be a phased increase in state pension age to 67, and eventually 68. 

It comes as the chancellor vowed the "triple lock" pledge is safe. Under this pledge, the state pension increases each year in line with the highest of average earnings, prices (as measured by inflation) or 2.5%.

The full state pension for new recipients is worth £175.20 a week. To receive the full amount, various criteria including 35 qualifying years of national insurance must be satisfied.

The coronavirus crisis has led many people to reconsider retirement plans, especially those who feel they are more at risk from the outbreak.  This increase is a reminder thast it is time to check what's in the pension pot and think about whether it will be enough - what are your future plans? How does 'life in retirement' look?

Don't think you are too young

Younger workers have also been urged by pension providers to consider their retirement options, with a strong likelihood of state pension age rising further as time passes, and as average life expectancy continues to rise.  Simply puy, as people live longer then it is likely they will have to work for longer.

Young savers need to start early and build their own pension pot.

"This means younger savers probably need to plan assuming they might not reach their state pension age until 70 or even beyond. Anyone who aspires to more than the bare minimum in retirement needs to take responsibility as early as possible to build their own retirement pot."

We were really impressed with the speed with which you processed the mortgage and the great rate of interest!

Dani & Geoff, Stratford upon Avon

Daniel went above and beyond to help us with our first mortgage. He explained the mortgage, its rates and terms very clearly, he was extremely patient and professional, we would highly recommend him.

Fi Davies, August 2018

We were really impressed with the speed with which you processed the mortgage and the great rate of interest!

Dani & Geoff, Stratford upon Avon

The service at Cosgrove Brown really has been first class. Not only was Dan, the Mortgage Broker, friendly and relaxed, nothing was too much trouble for him. He seemed to go above and beyond in helping where he could. He really took a lot of pressure off me in what could have been a really stressful time. I would 100% recommend Cosgrove Brown, the service was exceptional and really good value for money too.

H McGillivray, February 2020

The company is first class, discriminating, intelligent, utterly trustworthy and dependable

Maurice, Swansea, March 2017

Straight forward information and easy to follow progress, being able to see everything via the Old Mutual portal is excellent. Stress free from start to finish and such a good feeling about who is best at looking after my financial future.

Phil Harmer, April 2017

Wanted to say thank you so much for all your mortgage help and advice over the past few months, you've been brilliant!

Dr Brazier, Liverpool, Sept.2016

My critical illness policy covers everything I need and took into account my lifestyle and income - thank you!.

Teresa, Llanelli

We would just like to thank Dan for all his hard work on this, less than simple, purchase. From the very beginning of this project Dan has shown great professionalism, excellent market knowledge and delivered customer service far exceeding any reasonable expectations!

C. Windsor, March 2019

I had the best possible products tailored for me. I appreciate how much time you have saved me.

Karen, London

Thank you for putting together an investment portfolio of cash, stocks, shares and property.

Geff, Newport

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