Although planning for retirement is among the most important financial decisions an individual can ever make, it is probably the one that is put off most often. Reirement Plannings is Important and people need to realise that.

Many people are clearly reluctant to deduct a portion of their salary to fund pension contributions. In view of the ever-increasing cost of living, this is understandable but the complexity of pensions must also sholder some of the blame. So why should you consider saving in a pension fund? - Reirement Planning

One of the strongest reasons is the tax efficiency of a pension. All pension contributions are deducted from your taxable earnings, reducing the amount of income tax payable. Also if pension contributions are deducted by an emplyer at source via salary sacrifice, you avoid paying national insurance on the amount contributed. Pension funds are also very broad ranging and enable you to invest in a larger number of different assets including stocks, shares and commercial property. This can be done directly or through collective investments such as unit or investement trusts and, back to the tax issue, any capital gains within a pension are free of capital gains tax. - Reirement Planning UK

So how can you invest in a pension? You can contribute to pensions managed by large financial instituctions or you are also able to invest via self Invested Personal Pensions, or SIPPs. It is though these SIPP’s that you can benefit from greater investment flexibility.

SIIP’s allow you to appoint your own investment manager. To some this may appear daunting, but it is easy to understand that individuals would far rather have their hard-earned pension contributions managed by someone they know and who knows their personal and financial circumstances than by a faceless institution.

By appointing an independent investment manager to manage the assets when Retirement Planning, the pension will not be restricted to a prescribed list of funds, as is the case with the pension offerings of many large institutions. This choice of underlying funds will be much greater, meaning that the pension can hold the “best of the best” at all times. Plan for your Retirement.

Many individuals also find it difficult to unravel the charging structure behind the pensions offered by big institutions and another advantage SIPPs offer is that they have transparent fees, which are agreed at the onset of your Retirement Plan.

Tasting Session:
Mont du toit 2003 Wellington
£15.99 a bottle, £95.94 case x 6
This is a powerful blend of Cabernet Sauvingon and Cabernet Franc with Merlot and Shiraz which spends 23 months in oak. The result is actually a bit too big for me. The alcohol content is very high and the flavour big, fruity and spicy with an almost rasin / port like flavour. It definately needs food - a good roast beef or lamb.

Macon-Vere 2006 Domanines Leflaive
£15.99 a bottle, £191.88 case x12
This is a beautiful wine from my favourite producer of white burgundy, Anne Lefaive of Domaine Leflaive, who I have actually had the pleasure of meeting. Her wines are organic and biodynamic and this is one of her excellent entry level bottles which is elegant and top quality. Crisp, clean, lemony and great with fish.

Wines and prices were obtained by the Independent Wine merchant Corney & Barrow.

It’s very much a case of doing your research and dressing appriopriately, My Style is oretty informal and i’m always in a suit and tie, but I used to work for Procter and Gamble where all the men were in Chinos and polo shirts.

Different clients have different expectations.

If youre selling a high Value service where professionalism is a high priority, the person delivering that service needs to be visually appropriate and well turned out.
But if you are recruiting for a creative agency something a little more unconventional, even dynamic and eye catching, could be just the thing.
Its a case of knowing your client and matching needs, values and aspirations.

Consistent professional image is vital when working with clients however. Coutts  Bank in Newcastle for example have allways prided itself on its professional image. Indeed, a few years ago there was a strict dress code of white shirts no facial hair and frock coats.
Things are a little more relaxed these days and people like to look modern smart and relaxed and fashionable all in one.
Suits and Ties are the order of the day in subdued colours blue, black, grey or pin sripe. But some people tend to make a little more of a statement with the colour of the shirt or tie.
Men in general are probobably more aware of fashion in these days and they look and feel good about themselves.

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