For decades, inheritances and pensions operated the same way. You worked in a good job for years and you were given a pension in the form of a final salary style pension, or you might have taken out an annuity.

Applewood Independent are the proud shirt sponsor of the newly announced ‘Stoke City Player of the Year’ Nick Powell.

We have never seen an event like the COVID-19 pandemic before in our time. For better or for worse, it has completely changed every single person’s life.

Regardless of who you are, everybody wants to retire happily at some stage in their lives. Everybody wants a retirement that provides an income and that provides protection for their loved ones and family.

In the context of personal finance, what do we mean by risk? If you boil it down, risk comes down to how much volatility you want to experience to achieve the associated return.