Independent Financial Adviser

Hi, I’m William George and I specialise in Retirement Planning, Pension Transfer and Investment Advice at Integrity Financial Solutions UK Ltd. We’re recommended on a daily basis by Unbiased.co.uk a non-profit organisation who help 60,000 people a month connect with their own local IFA Financial Advisor quickly and easily. I’ll be happy to help you with either Personal or Group Pension matters.

What others say…

Rory Paterson, Director – Mediacom Scotland Ltd, Edinburgh…
“I’ve found Billy (William) a personable yet professional practitioner who offers sound advice and realistic proposals backed up by facts. I’d wholeheartedly recommend Billy as an IFA”.

Iain Jones – Director of KDM Shopfitting, Rosyth, Fife Business of the Year Winners 2008:
“We are delighted to have brought in the services of Billy (William) after a recent review of our companies situation. He has given us sound and invaluable advice in areas such as Directors pensions, group pensions and business protection. We look forward to developing our working relationship over the exciting times which lie ahead.”

William George IFA Introduction

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Pensions in 2010, So What’s In Store?

2009 Year of the ‘Baby Gloomers’

So much happened with regards to pensions in 2009 it’s difficult to know where to start. In a year dominated by one financial crisis after another, headlines included:

  • Reductions in the size of defined contribution pots due to falling share prices
  • More companies looked to reduce their defined benefit liabilities by closing or restructuring their schemes
  • High earners were hit with a reduction in the tax relief on their pension contributions
  • Bank employees pensions were bailed out by Government using public money
  • The gap between private and public sector pension provision became ever wider
  • The UK state pension was frequently described as ‘the worst in Europe’ when it was once right up there amongst the best.

The constant stream of bad news meant that the much mentioned Baby boomers became very worried. They worried about how falls in their retirement income will affect their ability to support their elderly parents and their children. So worried are they that a new phrase emerged… ‘baby gloomers’.

But it hasn’t been all doom and gloom…

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Avoiding Financial Black Ice and Beating Winter Money Blues

December 18, 2009

Hi everyone,
I hope you’re one of the lucky ones to have dodged the snow so far, (friends of mine down South have been snowed in big time!) because I’d like to think this article this will give you a little warm feeling a week before Christmas… or at least warn you about some of the [...]

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State Pension Reform: what you should know now

October 23, 2009

Hi everyone,
since 1995 significant changes have been instituted regarding State Pensions. These were followed by changes brought in by the Pensions Acts of 2007 and 2008. The Act of 2008, whilst mainly focusing on Private Pensions, did also introduce changes to the State Pension as well.
The Government wishes to build on this earlier work [...]

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Bear or Bull For Your Investing – can you tell yet?

October 9, 2009

Hi everyone, I thought it timely to bring you my latest thoughts regarding where we are in investment terms, concerning the downturn which continues to grip western economies so powerfully.
There is much debate about whether we are in a bear market rally at the moment or whether we have hit the bottom and are now [...]

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Your Free 2010 Pension Age Change PDF

October 9, 2009

Hi everyone,
following on from my last article covering the new Pension Age Change that comes into effect from April 6th 2010, I’ve got a great PDF for you that will explain the issues involved.
From this date you will not be able to receive an income or a tax-free lump sum from any private pension [...]

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