Credencis Blog

Look out for interesting articles written and released by the Credencis team on a regular basis. Releases often include changes in the industry, new offers, and strong advice to help individuals make better decisions with their savings and investments.

Top Rated Advisor 5th Year Running

Top Rated Advisor 5th Year Running

Brian Flindall Recognized as Top Financial Adviser for the 5th Consecutive Year Amidst Challenging Economic LandscapeNavigating Rising Interest Rates, Flat Markets, and an Unprecedented Mortgage Market In an era marked by economic unpredictability, financial markets...

Should I consolidate my pensions

Should I consolidate my pensions

It depends on your individual financial situation and goals. Consider the following factors before consolidating pensions: e.g. age, conditionse.g. life, disabilityConsolidating pensions can simplify your finances and make it easier to manage your retirement savings,...

VouchedFor Top-Rated Adviser 2022

VouchedFor Top-Rated Adviser 2022

Each year, financial website VouchedFor – in partnership with The Times – produce their “Guide to the UK’s Top-Rated Financial Advisers”. The list is based entirely on client reviews and we are proud to announce that Credencis’s Brian Flindall has made the list for...

VouchedFor Top-Rated Adviser 2021

VouchedFor Top-Rated Adviser 2021

Each year, financial website VouchedFor – in partnership with The Times – produce their “Guide to the UK’s Top-Rated Financial Advisers”. The list is based entirely on client reviews and we are proud to announce that Credencis’s Brian Flindall has made the list for...

Portfolio Management

Portfolio Management

Portfolio Management Service Keeping track of your assets, investments, and savings takes a certain amount of dedication to ensure that they produce healthy returns that either meet or exceed your expectations. Credencis schematically assess each individual client to...

Retirement Options

Retirement Options

Pensions And Annutities Explained for Individuals And Employers A series of articles that detail the types of pensions and annuities commonly available on the open market along with information for employers and their responsibilities.Article matrix focusing on...

Credencis Guide to Pensions

Credencis Guide to Pensions

Credencis Guide to Pensions This is a guide to pensions, what you are entitled to and how saving into a particular pension type affects the options available to you.What type of pension do you have? There are three main categories of pension available, these...

Coronavirus and your pension: 3 things to consider

Coronavirus and your pension: 3 things to consider

The Corona Virus Outbreak Amid the current coronavirus outbreak, we’re all battling to keep up with the raft of new phrases entering everyday language – ‘social distancing’, ‘self-isolation’, ‘furloughing’. With the UK in lockdown and the pandemic set to impact on all...

Pension Transfer Gold Standard

Pension Transfer Gold Standard

What is the Gold Standard Defined benefit transfer is strongly regulated by the Financial Conduct Authority, subsequently financial advisers who are authorised to provide advice have to adhere to a strict set of rules and guides. The Gold Standard is a code of good...

Vouched For

Vouched For

A year in review(s) – a word from Credencis Director It was an unexpected honour to be presented with the top rated award for financial advisers in the East Midlands region for 2019. The team continues to work hard, be diligent and provide a very good level of source...

Changes to The UK State Pension

Changes to The UK State Pension

The State Pension is likely to be a key source of income for many people when they retire. The new State pension was introduced in April 2016,replacing the previous two tier system, and the State Pension age has been equalised at age 65 for men and women before it...

Do you have a lump sum to invest into your pension?

Do you have a lump sum to invest into your pension?

Invest in your pension at the high earning rate to maximise your tax relief You can put money into a pension even where you belong to a work pension scheme: the only limit currently applying is that savers do not exceed the annual maximum contribution of £40,000....

10 Pension Tips

10 Pension Tips

1 - Pension Freedoms - What are your next steps? Make sure you have a clear picture of what pensions you have- some people lose track of old pensions from previous jobs, especially after moving property. Use the free government service to track down your money:...

Are you looking for Pension Advice?

Are you looking for Pension Advice?

Credencis are Pension Transfer Specialists based in the UK offering an inital free pension advice service. Initially most consumers will google Martin Lewis, Citizens Advice, Pension Wise, or the Money Advice Service for free information. Common searched for questions...

Loopholes to Maximise Your Pension

Loopholes to Maximise Your Pension

Try these loopholes to maximise your pension1You are over age 55, and already receiving your drawdown pension. Invest up to £4,000 per year into a pension, you pay £3,200 net and this is topped up by 20% tax relief. Immediately you withdraw the money. The first 25%...

The best and worst annuity providers in 2017

According to FT Adviser These Are Currently The Best Annuity Providers At the bottom of the pack are the Prudential who are now closing their annuity business, probably due to consistently poor performance . As of 06/02/2017 10-year gilt yields value of...

How much pension money can you release?

How much pension money can you release?

Releasing money from your pension fund allows you to access your savings before you retire, or before the full term of the pension is up.Release 25% Tax FreeYou can take up to 25% of your pension’s value, completely Tax Free, as a cash lump sum to spend on whatever...

Swap Your Final Salary Pension For Cash?

Swap Your Final Salary Pension For Cash?

Is it wise to swap your final salary pension for cash ? The new pension freedom rules arrived in April 2015 to a blaze of publicity. Anyone with a 'money purchase' scheme, also known as 'defined contribution can access their money from age 55. It's good practice to...