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Tim Leonard

Tim Leonard

Lead Writer & Content Strategist

Resume

Education

  • BA (Hons) Industrial Economics, University of Nottingham

Previous Experience

  • Finance Editor, Future
  • Associate Editor, Moneyfacts
Tim is a lead writer at NerdWallet and holds the Chartered Insurance Institute (CII) Level 3 Certificate in Mortgage Advice. He has over 20 years’ experience writing about almost all aspects of personal finance. During his career at Moneyfacts, Virgin Money and Future, Tim has shared his high-level technical understanding of financial products and regulation with both consumer and IFA audiences.

The latest from Tim

Benefits of Life Insurance: 10 Reasons to Consider Life Cover

Covering your mortgage, paying for your funeral, and ensuring your loved ones can live comfortably are important benefits that life insurance can provide. What tends to join them all is…

Cashing in a Pension: Your Options at Retirement Explained

Cashing in a pension usually only becomes possible at age 55. At this point some or all of your pension funds can be used to buy an annuity, set up…

SSAS Pension: How a Small Self-Administered Scheme Works

A small self-administered scheme, or SSAS pension, can be set up by senior company executives who want to take full pension investment responsibility for themselves. The tax advantages of using…

Pension Drawdown: How to Take a Flexible Retirement Income

Using pension drawdown to access the money in your pension can provide you with a flexible retirement income. Your pension funds can stay invested to hopefully grow further after you…

What Will Happen to my Pension When I Die?

What happens to your pension when you die depends on the type of pension you have, your age when you die and whether you’ve started taking money from your pension.…

The Pension Tax-Free Lump Sum Explained

Pension tax-free lump sum is the name given to the amount of your pension pot that you can withdraw when you access your pension without needing to pay income tax.…

Guaranteed Minimum Pension Explained – What is GMP?

You might have a guaranteed minimum pension if you were a member of a contracted out final salary scheme before April 1997. A GMP pension should pay a level of…

Pension Annuity: Retire with a Guaranteed Income

Buying a pension annuity with some or all of your pension pot means you can rely on a certain level of retirement income. There are different types of annuity that…

What is a SIPP, and How Does a Self-invested Personal Pension Work?

A self-invested personal pension (SIPP) gives you more control over your retirement savings, enabling you to make your own investment decisions. Contributions into a SIPP are eligible for tax relief…

How an Earlier Rise in the State Pension Age Could Affect You

Following a news report that the age at which people can claim their state pension could increase to 68 by the end of the 2030s, we explore how this earlier-than-expected…

Children’s Pensions Explained: Setting Up a Pension for Your Child

Set up a child’s pension and with tax relief payable on a £2,880 yearly allowance your kids will have a head start towards a better retirement. Here, we explain how…

Pension Withdrawals: Limits, Rules and Taking a Pension Early

If you are 55 or over and have a defined contribution pension, you usually can start making pension withdrawals. Sometimes you can do this before age 55, but you may…

What is a Final Salary Pension, and How do Defined Benefit Pension Schemes Work?

A final salary pension, or defined benefit pension scheme, is a type of workplace pension that will pay you a retirement income for life. The amount you will receive in…

Pension Tracing: How to Find Old or Lost Pensions

Finding an old pension can give your retirement income a welcome boost. What you need to do to trace it will depend on how much you remember about your lost…

Mortgage Rates Expected to Drop Further

Further falls in mortgage rates are expected as base rate cuts are forecast for November and next year. Here’s our latest mortgage and base rate predictions.
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