We are going to take a look at the effects that lockdown has had on the equity market, with comparisons to last year and how and why people are using this. Is the equity release market open during the current lockdown? Yes, it’s very much in full flow. There’s always a demand for people releasing […]
Looking back on 2020 – our business 2020 has been a tough year for many, but for CS – it has been a great year. We started 2020 as a mortgage and protection business and we ended the year with 20 advisers; including four financial advisors, which means the pensions and investments arm of the […]
What is a credit report? Your credit report is a record of information about your credit history and it shows mortgage lenders how you have handled credit in the past. It also allows lenders to assess the risk involved when you apply for credit. Different lenders will use different reports to assess your risk, the […]
Divorce – Things to Consider for Long Term Financial Stability Divorce is a difficult time for anybody and it’s a time where knowing the law and ensuring you are doing the right thing can make the process that little bit easier. You can enter a divorce journey without any expertise, but it’s not something […]
Investments – Making the Most of Your Money Welcome back to the Mortgage Money podcast. Today we’re talking about investments. With Jason Murgatroyd and Shamraze Ahmed. What are Investments? Generally speaking, we all have money somewhere where maybe put it in the bank, or building society. As a guide any money that you find you’ve […]
Interest Only Mortgages – everything you need to know In this episode we speak to Jason Murgatroyd about Interest Only Mortgages. Many are coming to the end of an interest only deal and do not know what their options are. What does it mean when an Interest Only Mortgage reaches maturity? Thankfully, lenders have been […]
What is an ISA? ISA, standing for individual savings account is essentially a tax wrapper, so think of it like a jacket for your account. If your money is sat in an account, with whatever the underlying investments may be, an ISA can surround this money like a tax efficient jacket. With this jacket, anything […]
What is Equity Release? Equity release is the process that allows homeowners to take out the equity in their property in order to assist with income or capital needs. If you are looking into equity release as an option to release some cash, there are two main options you need to consider. A lifetime mortgage […]
Planning for Retirement: Everything you need to know Welcome to the first and hopefully not the last mortgages money and my podcast. Today, we’re going to talk about retirement planning. Who is Jason Murgatroyd? I’ve been in the industry for quite a few years now, over 30 years, working with a combination of insurance companies, […]
If you’re in the market, you’re looking at reviewing your pension, or even if you never thought about it before, hopefully we can give some people a little bit of information. How long have you worked in the industry? I have been at CS Retirement Solutions for quite a few years now. I have […]
Retirement is an exciting time; the start of a new chapter in life. Whilst we will have worked, saved and prepared for this moment for a long time, many of us will find we don’t quite have enough money to fund all the things we planned to do. Luckily, there are an increasing number of […]
Whichever side of the Brexit debate you have been on, Friday 31 January 2020 undoubtedly marks a momentous point in the country’s history. For at the stroke of 11pm, the UK will cease to be a member of the EU: the divorce will finally have been sealed. It’s clearly been a long and rocky road […]
The sooner you start saving, the healthier your pension pot is likely to be when you need to draw on it. But what happens to your pension planning if your working hours reduce, or stop? First things first If you join a company you may be enrolled into their workplace pension scheme which, in most […]
Getting a clear, concise view of your investment portfolio can be difficult and time-consuming. That’s why we use a secure, online system known as a platform. A platform gives you secure, online access to your investment funds with a transparent, easy -to-understand charging structure. So rather than holding your ISAs, pensions and other investments in […]
As you approach retirement, you probably want to know when you can afford to stop working. Having worked hard throughout your career you deserve to enjoy your retirement without having to worry about your finances. It may be worth reviewing your pension contributions to make sure you are taking advantage of the incentives offered by […]
When it comes to building your investment portfolio, you might have been warned about avoiding putting all your eggs in one basket. It’s wise to spread your money across a range of different investments. That way, if the value of one of them falls, it should have a limited effect on the overall performance of […]
Understanding inflation and its impact on your portfolio is important because rising prices can reduce the value of the money you get back from your investments. What is inflation? Inflation is a term used to describe a rise in prices. In the UK, it is measured by the Consumer Prices Index including owner-occupiers’ housing costs […]
Why you should consider modernising your pension As well as giving you greater freedom over how you access your savings, there are several other benefits when modernising your pension: Take full control of your pension savings Choose when and how to draw an income to suit your retirement planning Keep your options open for drawing […]
Retirement is an exciting time; the start of a new chapter in life. Whilst we will have worked, saved and prepared for this moment for a long time, many of us will find we don’t quite have enough money to fund all the things we planned to do. Luckily, there are an increasing number of […]
We care passionately about making financial advice accessible to all, in an easy to understand and friendly manner. We aspire to raise standards in all areas of financial advice and hope to challenge any negative industry perception by offering a genuine and trustworthy service.
We offer personalised financial planning to both private and business clients, providing advice and making recommendations that suit individual circumstances.
CS Retirement Solutions is a trading name of CS Financial Group Ltd who is a Limited Company registered in England & Wales no. 10731629. CS Financial Group Limited is an appointed representative of Openwork Ltd, which is authorised and regulated by the Financial Conduct Authority
© CS Retirement Solutions