The information contained within this site is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK only.
Friar Gate Independent Financial Services Limited is registered in England and Wales number 05071304. Registered office address; 5 Prospect Place, Millennium Way, Pride Park, Derby, DE24 8HG. Friar Gate Independent Financial Services Limited is authorised and regulated by the Financial Conduct Authority ( Financial Services registration no: 401484. Taxation and trust advice is not regulated by the FCA. The Financial Ombudsman Service(FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the Financial Ombudsman Service can be found on their website:

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Pensions & Retirement Planning

When it comes to providing for retirement, too many people are doing too little too late. Putting away even a small sum early on can make a big difference to the lifestyle you can enjoy when you retire. The golden rule for most people, is to not rely on the State alone. Modern pensions benefit from some exceptional tax breaks, and nowadays, you can even contribute to your pension when you don't work!

A Day: Everything's changed!

In April 2006, the government simplified the pension contribution process, Industry insiders dubbed these sweeping changes as A-Day. So what does it actually mean?

Previously, your contributions would have been limited to a percentage of your earnings, now there’s one rule for all, which is of particular assistance to people in the 20 to 40 age bracket that may have put off investing in a pension. These groups can now put in larger sums later, instead of saving modestly, without being penalised for doing so.