Why Pension Services in the UK Matter More Than Ever

Planning for retirement is no longer something to be put off—it’s a crucial part of your long-term financial wellbeing. In the UK, pension services are designed to help individuals secure a stable income later in life, but with so many options and providers available, it can be overwhelming to know where to begin. At Jones […]

Independent Financial Adviser in Chesterfield

Independent Financial Adviser in Chesterfield: How to Choose the Right Financial Adviser Near You For many people, searching for an independent financial adviser in Chesterfield starts with a practical question: who can I trust with decisions that affect my pension, investments, mortgage, tax position and family’s future? It is an important question. Good financial advice […]

What Is a Decumulation Specialist? Planning How to Use Your Wealth in Retirement

For much of your working life, financial planning tends to concentrate on accumulation. You earn, save, contribute to pensions and invest with the intention of building wealth for the future. Then retirement approaches and the question changes. Instead of asking, “How much can I build?”, you need to start asking, “How can I use what […]

10 Things People Wish They’d Known Before Retiring

Retirement is something many of us spend years working towards. We plan the pension. We think about where we might live. We imagine the holidays, hobbies and long lunches. But nobody can completely know what retirement will feel like until they’re there. And sometimes, the things that matter most aren’t the things you expected. Here […]

Could You Afford to Work Less?

What if retirement didn’t have to be all or nothing? For many people, the idea of working less sounds appealing. A four-day week. More holidays. Fewer early mornings. More time with family. But then the practical question arrives: Could I actually afford it? You might not be ready to retire completely. But that doesn’t necessarily […]

Could Your Profession Help You Borrow More?

Your job could make more difference to your mortgage options than you realise. When you’re working out how much you could borrow for a mortgage, it’s easy to assume the answer comes down to one thing: Your salary. But that’s not always the whole story. Some mortgage lenders have specific criteria for certain professions, particularly […]

Are You Making the Most of Your Pension?

You might have spent 20, 30 or even 40 years paying into your pension. But here’s a question that’s often overlooked: Have you thought about what you’re actually going to do with it? For most people, building a pension is the easy part of the conversation. You contribute, it grows, and you carry on. Then […]

Why Are Markets Feeling Unsettled & What Should You Do?

The headlines are noisy. Your financial plan doesn’t have to be. If you’ve looked at the financial news in 2026, you’ll probably have noticed a familiar pattern. Markets are moving. Bond yields have risen sharply. Inflation is back in the conversation. Oil prices remain a concern and commentators are once again trying to work out […]

Retirement Planning Experts in Derbyshire

Retirement planning is about far more than building the largest possible pension pot. The real question is what you want your money to allow you to do once work is no longer the centre of your life. At Jones & Co, our approach to retirement planning in Derbyshire is based around Lifestyle Financial Advice. We […]

Cashflow Modelling

Could you afford to retire earlier? Spend more on holidays? Help your children buy a home without putting your own financial security at risk? Cashflow modelling helps you explore these questions by bringing your income, spending, pensions, savings and future plans together in a financial forecast. At Jones & Co, we use cashflow modelling as […]

Later-Life Lending

Understanding Your Mortgage and Borrowing Options as You Get Older Later-life lending is becoming an increasingly important part of financial planning. People are living longer, working later, helping children onto the property ladder and approaching retirement with mortgages that may still have years left to run. For many people, property also represents a substantial proportion […]

5 Money Conversations Every Family Should Have

Talking about money isn’t always easy. For many families, finances can feel like a private topic or something that’s best left until “another day.” But putting these conversations off can sometimes lead to confusion, missed opportunities and unnecessary stress further down the line. The good news is that they don’t need to be difficult. In […]

Is Your Estate Plan Ready for 2027

Estate planning has always been about more than passing on wealth. It’s about making sure your money, assets and wishes are organised in a way that supports the people who matter most to you. Recently, however, many people have started reviewing their estate plans following announcements that unused pension funds may be included as part […]

Pension Adviser Near Me: How to Get the Right Pension Advice for Your Future

When you search for a “pension adviser near me”, you usually have a particular question in mind.  Can I afford to retire? Should I combine my old pensions? Am I paying too much in charges? How do I turn my pension savings into an income? Finding someone nearby is a useful starting point. Choosing an […]

Financial Advice for 40 Year Olds: How to Build a Stronger Financial Future

Financial Advice for 40 Year Olds: How to Build a Stronger Financial Future Reaching your 40s often changes the way you think about money. You may be earning more than you did in your 20s or 30s, but you may also have more responsibilities, more financial commitments and less time to correct poor decisions before […]

Financial Advisor Near Me

Financial Advisor Near Me: How to Choose the Right Adviser for Your Future Searching for a financial advisor near me usually means one thing: you want clear, trustworthy financial advice from someone who understands your situation and can help you make better decisions. For some people, that search begins after a major life event. A […]

Financial Advice for 40 Year Olds: Taking Control of Your Financial Future

Your 40s are often described as the most important decade for financial planning. For many people, these are the peak earning years. Careers are well established, mortgage payments are underway, children may still be financially dependent, and retirement starts to feel much closer than it did in your 20s or 30s. At Jones & Co […]

Investment Advice Chesterfield: Independent Financial Advice From Jones & Co

Finding the right investment advice in Chesterfield can make a significant difference to your long-term financial future. Whether you are investing for retirement, growing your wealth, protecting your family, or looking to make your money work harder, professional guidance can help you make informed decisions with confidence. At Jones & Co, we provide independent financial […]

Can I Withdraw My Private Pension Before 55?

If you are asking, “Can I withdraw my private pension before 55?”, the short answer is usually no. In the UK, most people cannot access pension savings held in a registered private pension until they reach the normal minimum pension age. This is currently 55, but it is due to rise to 57 on 6 […]

How Life Insurance Can Ease the Burden of Inheritance Tax

Passing on Your Wealth: How Life Insurance Can Ease the Burden of Inheritance Tax Inheritance Tax (IHT) can be an unwelcome surprise for families during an already difficult time. Charged at a hefty 40% on estates exceeding the current inheritance tax threshold, this tax can seriously diminish the wealth you intend to pass on. For […]