Advertising Feature Navigating Finance Through If there was ever a period of significant uncertainty, this year has certainly delivered. Few sectors have been left unscathed by the effects of the pandemic, but it would be fair to say that travel and tourism, including the aviation industry, has borne the brunt of it. These are challenging times, and its natural to start second-guessing previously made financial decisions based on the current economic environment. And, if you do, youre not alone, as theres been an influx of enquiries from flight crew who are increasingly looking for direction and answers to questions about their existing and future pension and investment arrangements. Volatility in equity and financial markets are rightly causing concerns and raising many questions from flight crew about the knock-on effect to their existing pension and financial arrangements, and how they can mitigate protecting their monies. With many flight crews facing pay cuts and the risk of redundancy; looking after existing assets & investments and planning for the future has never been more pertinent. What Flight Crew need is the background information and accompanying scenarios to be able to make an informed decision. By offering reliable, dependable advice, and getting to know the whole situation, not just now, but any long-term financial aspirations. This is the way to address any concerns with facts and logic, giving the crew member the right context and perspective to help make objective financial decisions with clarity and maintaining full control. When life becomes unpredictable, its easy to feel out of control with finances, but here Jamie shares his tips to help you keep a cool head: Today, working with hundreds of flight crew, common questions brought to the team at Jamie Lewington & Co are; Approach with caution What if it all goes wrong? Get facts and logical information rather than hearsay. Could I lose my pension? What risks are associated with my pension fund? What is my affordability to build up future company benefits when faced with pay cuts? Are my pension funds invested in the right place and how do I make objective decisions to plan for the future when times are so turbulent? Also, other more general enquiries relating to the complex terrain of tax planning, pension taxation, or changes in pension legislation to name but a few. Understand what the risks are Understand the level of risk Get your concerns in context Seek expert advice to explain your options Speak to people who specialise in flight crew advice Make an informed decision, so you can stop worrying As flight crew approach retirement, they need to consider all options for their pension investment strategy. Whether its the start of a flight career or retirement is approaching, advice on pensions and investments, or school fees or ISAs, its best to seek expert advice rather than second-guessing. Jamie Lewington & Co pride themselves on being professional, efficient experts with integrity in the field of flight crew financial planning. To quote one of their clients Jamie Lewington & Co have always been available for advice about pensions and any number of other financial requests from estate planning to wills and trusts. If you would like to book an appointment to discuss anything youve read about today or would like advice on your existing financial arrangements and how to switch, contact Jamie for a no-obligation chat. 01793 741246 hello@jamielewington.co.uk The value of an investment with St. Jamess Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested. The levels and bases of taxation, and reliefs from taxation, can change at any time and are generally dependent on individual circumstances. Will writing involves the referral to a service that is separate and distinct to those offered by St. Jamess Place and along with Trusts are not regulated by the Financial Conduct Authority. Set course for Jamie Lewington & Company Ltd is an Appointed Representative of and represents only St. Jamess Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the groups wealth management products and services, more details of which are set out on the groups website www.sjp.co.uk/products.