A Charity offering personal help and advice for all serving and former members of the Royal Navy, Royal Marines, their Reserves and Families

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Insight – St. James’s Place Wealth Management  

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Benefits paid in the event of your death

Benefits paid in the event of your death (AFPS15)  In the event of your death, your eligible dependants’ will receive benefits that may consist of a tax-free lump sum (in some circumstances) and a taxable pension for life. If you…

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How to plan for your retirement through the decades

From Insight – St. James’s Place Wealth Management Robert Gardner, Investment Management Director, shares some advice on how to save for a pension in your 20s, 30s, 40s and 50s. I’m often asked, “How much do I need to retire on?”…

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From Serving Our Country To Serving Our Community - How I Became A Locksmith

At the age of 16 I joined the RN on August 2nd 1977 as a radio operator serving on shore bases, submarines and minesweepers and completed my service in February 1982. Finding a job was a lot easier then there…

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ALTERNATIVES TO PAY DAY LOANS

Payday loans are an act of financial desperation – they cost you money and can have huge impact on your long term financial credibility.  If you need to borrow money and are thinking of getting a payday loan, stop to…

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ARMED FORCES PENSION REDUCTION UNDER NATIONAL INSURANCE MODIFICATION RULES

Upon reaching State Retirement Age (SRA) members of the Armed Forces in receipt of AFPS75 and/or AFPS 75/15 are likely to have their Armed Forces Pension reduced if they had served prior to 1 April 1980 and separately if they…

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AFPS – Added Pension

By Dave Scholey, Regional Manager South East Public Sector pensions generally have a reputation for being good occupational pension schemes. The Armed Forces schemes in particular, benefit from being non-contributory.  This means the employee does not have to make mandatory…

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