• Piggy Bank

    Wise Investment Plans

    No need to break the piggy bank savings, investing wisely can secure your future and your families, discuss with Forty One Consulting about the different investment options we have available.

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  • Pensions

    Retirement Options

    Retirement planning has always been complicated and, despite efforts to simplify matters in 2006, it unfortunately remains so. At Forty One Consulting we pride ourselves on making our clients more at ease with the complicated system to provide you with the best advice we can.

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  • Protection


    Finding the right protection is difficult to do, at Forty One Consulting we can walk you through the different options and find the perfect protection plan to suit your needs.

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  • Frequently Asked Questions

    Frequently Asked Questions

    With the introduction of more flexible ways to access your Pension from April 2015, we are constantly being asked more questions.

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24th March 2015

Budget Announcements March 2015

This years budget was not so dramatic as last years and some aspects of interest are: From April 2016, the amount that you can save into your Pension - the Lifetime Allowance - will be reduced from £1.25 million to £1 million.  However from April 2018, this figure will increase in line with inflation. The Personal Allowance will increase from £10,000 to... Read full article

3rd December 2014

Autumn Statement - 3rd December 2014

We expected more details regarding the facility to take unlimited amounts from a Pension Plan, announced in March 2014, would be given in the Budget speech – but nothing was forthcoming.  We understand that this matter is still under consultation and it is likely that we will receive final details late January / early February. However, there were changes announced to... Read full article

18th November 2014

Experts warn pension freedoms being

Fears are mounting among MPs and Pensions Experts that the radical pension reforms which come into force in April 2015 are being "misrepresented", with too much focus on the notion of cashing out and bank account-style freedoms which could undermine the changes or prove unrealistic.... Read full article

1st October 2014

Pension Tax Changes

The current 55% tax duty payable when pension funds are passed on after death is set to be axed under this government, George Osborne has announced. From April 2015, if a pension saver dies aged over 75, beneficiaries will receive the funds free of tax if they keep them in a pension.  If they draw the pension, they will pay their... Read full article

5th September 2014

Congratulations Mrs McGee!

We are pleased to announce that Hayley finally tied the knot with John McGee on Saturday 12th July and looked absolutely stunning! ... Read full article

9th July 2014

NISA 2014/15

New ISA Limit From 1st July 2014 the overall NISA limit for 2014-15 will be £15,000, an increase of £3,480 from the previous tax year.  The NISA will also offer you the option to save your whole NISA allowance of £15,000 in cash, stocks and shares, or any combination of the two.... Read full article

29th May 2014

Retirement Flexibility

As many as 10 million pension savers will increase their contributions to take advantage of greater at-retirement flexibility announced in the Budget, according to research. Some 44% of people aged between 18 - 34 agree they would put more into their workplace or personal pension in wake of the Chancellor's announcement in March. Across all age groups, almost 25% of the adults... Read full article

16th May 2014

Care Bill Becomes Law

The Care Bill, which sought to usher in significant reforms to social care and support in the UK, has passed into law after becoming an Act of Parliament. The Care Act, which received Royal Assent on 14 May, has created a single law designed to make it clear what kind of care people can expect. The legislation introduces a national... Read full article

24th February 2014

Misselling of Investment Advice by HSBC

HSBC’s final year results for 2013 reveal its bill for investment advice mis-selling in the UK, uncovered as part of a regulatory mystery shopping exercise that targeted a total of six banks, is set to reach £96m.The results, published reveal HSBC Bank plc, the holding company for HSBC’s European operations, has set aside £96m to cover estimates for compensation related... Read full article

20th January 2014


You may have read in the news over the past few days that a number of financial adviser firms and their clients have become unknowing victims of identity fraud.Prudential has been made aware that organised crime gangs have targeted a number of adviser firms and their clients, using a new method of operating since at least June last year.Instead of... Read full article

5th December 2013

New State Pension Ages

Rise to 67 now scheduled for 2026-28Chancellor George Osborne said the state pension age will start rising to 67 for both men and women in 2026. Gradually, all Britons will be forced to wait an extra year with everyone qualifying at age 67 by April 2028. It will affect millions of people in their late forties and early fifties ... Read full article

25th November 2013

On line Comparison Sites

Comparison sites are facing an investigation by the Financial Conduct Authority (FCA) to ensure consumers are not "being misled". The watchdog announced the thematic review, which will focus on 14 websites covering 90% of the market.On Sunday, the FCA said while comparison sites had made it easier for consumers it would investigate potential risks, including that consumers may not fully... Read full article

13th November 2013

Changes to Autumn Statement

The Chancellor, George Osborne, has changed the date on which he will deliver his Autumn Statement to Parliament to 5 December. He had previously planned to hold it one day earlier.The statement will provide an update on the government's plans for the economy based on the latest forecasts from the Office for Budget Responsibility.These forecasts will now also be published... Read full article

13th November 2013

Banking Scandals

The chairman of UK Financial Investments, the body responsible for the government's stake in Royal Bank of Scotland (RBS) and Lloyds Banking Group, has warned that RBS could face further fines from regulators over sales linked to the US sub-prime mortgage crisis. Robin Budenberg, who joined UKFI in 2010 from UBS, told the Treasury Select Committtee (TSC) on Tuesday that... Read full article

17th June 2013

Beware liberating of your Pension!

Despite tentative signs of economic recovery, times remain hard for many people. The cost of living continues to rise faster than wages and unemployment remains high. For those struggling tofinance their day-to-day living, the idea of ‘pension liberation”’ might sound attractive – but there are serious long-term risks.Pension liberation involves the transfer of an individual’s pension savings to a scheme... Read full article

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