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With Cadbury’s crème eggs on sale since 1st January, you could be forgiven for thinking Easter was just around the corner… Well, it isn't. It always falls on a Sunday between 22nd March and 25th April inclusive, approximately seven days after the astronomical full moon, not a certain date or a definitive time - it changes.

Although this seems relatively simple, predicting the movements of the moon is far from it and determining the exact moment of the full moon even less so. The date of Easter could differ by a week if the full moon falls on a Saturday or Sunday, by an entire month if on March 20th/21st boundary or even both! Then there is the question of where the full moon should be observed - it could easily be on different days in different parts of the world. One case saw an eclipse of the full moon on Easter Monday!

What I am trying to say is making plans can be a changing affair and what is right on one day could be wrong the next.

Take planning your retirement, for example. It isn't as straightforward as just putting your nest egg into a 'pension', especially with the significant changes we have seen in pension legislation and the different saving vehicles available. In the last 30 (or so) years alone we have seen SERPS/S2P being introduced and then abolished, "A-Day" and fairly recently, Auto-enrolment, to name a few. Not to mention the most radical changes to pension legislation that the UK has seen in over a century, which will be coming into effect this April. And this is just the pensions world - I haven’t even begun to mention the changes we have seen in taxation and financial services practices over that time!

Retirement planning can be confusing; not only do you have the battle of keeping up with the changes but then there's the question of how much money you are even going to need at retirement? Where do you start? The good news is that, with sound financial planning, you can get the answers to those ever important questions and put the plans in place to achieve the standard of retirement that you wish for.

Why not give one of our financial planners a call today and let us get you on the right path to a more secure future.

P.S. Easter is on Sunday 5th April.

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