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You and Your Family

When things change in your family circumstances it is a good point to also review your finances to see if they fit well with your new circumstances. Pensions are no exception to this rule, so it’s also worth checking you are on track with your retirement plans and understanding what any changes mean for you and your savings.

Family

Your Family Key Points

Getting married or entering into a civil partnership can dramatically change the amount of income coming into your household and the way the income is spent. It may be possible that your spouse/civil partner is employed while you are self-employed for instance, which could provide opportunities for you to make savings as a couple (see next page).


Having children will also change your household expenditure and it may affect your household income if you or a partner or both reduce hours to take on child caring responsibilities. Your financial goals are also likely to change as you think to the future for your family.


Relationships can also change. People can separate or get a divorce/dissolution. Lots of people are unaware that their pension arrangements will be included in any divorce financial settlement and that depending on the option they choose to split their assets, there could be implications should they get re-married in the future.

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If you would like to find out more you can book a full telephone appointment with one of our specialists.

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