Business

Advertising Feature DO YOU HAVE A RETIREMENT PLAN?

Photo by Marc Najera on Unsplash

Just because saving for retirement is dif昀cult, it doesn’t mean you should give up; and the current reliefs and allowances on pension contributions should give cause for optimism.

If you expect to retire on a 昀nal-salary pension and with no mortgage, your perspective on retirement may well be rosy; if you are grappling with debt and worried about having insuf昀cient pension savings, it may be a different picture. For some, the question is not how to retire successfully, but how to retire at all, given that there may be precious little in the way of a state safety net to fall back on. Of particular concern is the group of pre-retirees aged 55–64, only half of whom have given thought to how they will manage in retirement; and only a quarter know how much they have in their pension pot.1 These people may only have a few working years left to build their nest egg. Those able to put some aside really should: people massively underestimate the amount of money they need to save. People also underestimate longevity and therefore how long retirement could last. Many experts are warning that the end of 昀nal-salary pension schemes, chronic underfunding of de昀ned contribution pensions, and increasing life expectancy are creating a perfect storm that threatens to destabilise the 昀nancial wellbeing of the coming generation of retirees.

The solution is to plan

You have to ask yourself: how much will I need, and how much can I afford to put away? Then you need to factor in any other sources of retirement income and you can see the size of the gap you are trying to 昀ll. It’s vital savers know and understand all their options for using their pension; but also that they make the most of the current tax breaks while building one. The value of an investment with St. James’s 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. The value of any tax relief is dependent on individual circumstances.

To receive a complimentary guide covering wealth management, retirement planning or inheritance tax planning, contact Peter Harding Wealth Management on 01202 830730 or email peterhardingwm@sjpp.co.uk. Peter Harding Wealth Management is a trading name of Peter Harding Practice Ltd.

What an opportunity! Getting into the ad industry can be tough. But award-winning CHS is offering a free pass to an interview, no matter what a person’s experience or portfolio. All that’s needed is a creative mind which “knocks our socks off”. And while the Christchurchbased creative marketing agency is keen to hear from graduates wishing to work in the sector, its ‘Golden Ticket’ is open to all. Managing director Chris Southgate said: “We work in the most amazing part of the country with the best creative universities – Arts University Bournemouth and Bournemouth University. “But often we find graduates go off to work in places such as Bristol, Brighton and, of course, London. “We work closely with the universities. “What better way to say ‘thank you’ for collating on a project than to offer a ‘Golden Ticket’ to an interview? “But it’s not just graduates. “Some of our best people have come from nonadvertising backgrounds. “We’d encourage anyone keen to work in the industry to contact us.” Current vacancies at CHS include account manager, account executive, copywriter, middleweight creative, photographer and photographic stylist. Founded in the 1970s, CHS has an annual turnover of more than £4m and employs more than 60 people. Services include strategic planning, publications, branding and integrated campaigns which combine videography, photography, direct marketing, web design and advertising. Key clients include HSBC, Petplan, B&Q, Lakeland and – most recently –Purplebricks. The agency was appointed by the estate agent following a competitive pitch to help amplify the brand’s #HomeSupport campaign on social media. It follows Purplebricks’ confirmed partnership as Official Estate Agent of Team GB at the Tokyo 2020 Olympic Games. The campaign involved the commission of four artists, each chosen due to their roles as elite sportspeople past and present. They included Rio 2016 silver medalist and professional boxer Joe Joyce, professional triathlete Vanessa Raw and former rugby player Henry Fraser, who now paints using his mouth after an accident left him paralysed from the neck down. Each artist created a powerful image depicting what ‘Home Support’ means for them. The works inspired CHS to design #HomeSupport augmented reality (AR) filters. They’ll be integral to the campaign objectives of creating a visual show of support for

Team GB, generate social buzz and provide an engaging way for the nation to virtually cheer on the athletes competing in Tokyo. The AR filters are part of a wider suite of social media assets from CHS, bringing to

GOLDEN WONDERS: Graphic designer Ben Greening, middleweight creative Sophie Cooke and marketing and PR manager Josh Seward with the CHS Golden Tickets. Below: the Golden Tickets and, inset, managing director Chris Southgate Firm’s interview incentive a first class ticket to success

Andrew Diprose is the founder and editor of dorsetbiznews.co.uk, the No.1 business website in the county with more than 27,000 unique users

life the story of the #HomeSupport campaign both nationally and locally. Chris said: “It’s a tremendous privilege to not just work with Purplebricks, but to support them on such an incredible campaign. “In a year when so many of us will be cheering on Team GB from thousands of miles away, this gives fans across the world the chance to cheer on our national heroes.” Gemma Schmid, head of brand at Purplebricks, said: “As a tech-led hybrid estate agent, it was really important for us to bring our Home Support campaign to life in a digitally innovative way that tied in with all our real-world activations and incredible artwork that’s been produced. “We hope these filters, and the wider story of Home Support we’re telling on social media, inspire the nation to keep the home fires of support burning as strong as we saw at the London 2012 games.” Chris, who joined CHS in 2009 and was appointed MD last October, said the agency was the busiest it had ever been. He added: “It really is the most exciting time to join us. “And it’s such a privilege for me to work with what I consider to be the best team and the best clients in the world.” n recruitment@chs.agency Two site managers building new homes have received prestigious industry awards for their work at developments in Dorset. Bellway’s Dave Murnane and Steve Chapman, site managers at Badbury Reach in Wimborne and Windgreen Gardens in Corfe Mullen respectively, have won coveted Quality Awards in the National House Building Council’s (NHBC) 2021 Pride in the Job awards programme. Dave and Steve, who have been site managers at their developments since building work began, have now won 19 awards between them with the NHBC. The winners of the 2021 Quality Awards were announced following a yearlong judging process by NHBC officials. Now in its 41st year, Pride in the Job remains one of the most highly regarded competitions in the industry. It recognises site managers who demonstrate best practice and excellence onsite to build homes of the highest quality. Dave said: “The most important thing about winning the award is that it recognises that customers are happy and that I am helping to deliver for Bellway. “I try my best every year and it is what drives me when I come into work every day. “This year has been really challenging with the pandemic, but we have a really good team who have been committed to working together to get the work done. “I am really excited about the next stage of the awards and I want to thank everybody who has worked at the site for all that they have done. “It is a team effort and from the labourers to the forklift drivers, everyone has contributed to the development’s success.” Steve said: “This is a really big achievement for me and I have been pleased with how well the development has gone so far. “To be a good site manager is to be firm but fair and to command the respect of your colleagues. “I have been making sure that all the materials and the construction of the homes are on schedule as buyers expect that from a national housebuilder. “Working through the pandemic has been tough and there have been times we were operating with a skeleton team, but we have managed to work through it. “It is a team game and just because I am at the top of the ladder, it does not mean the people beneath me are any less influential. “I am looking forward to the next stage and we are all hoping that the development can win the Seal of Excellence award.” Dave and Steve will now progress to the next stage of the competition, which will see the winners of the Seal of Excellence and overall Regional Award announced. Nick Furner, Construction Director for Bellway Wessex, said: “To be recognised by the NHBC is the biggest accolade you could achieve as a site manager, so we are all very proud of Dave, Steve and their teams on receiving a Quality Award in 2021. “In a year which has tested everybody in so many ways throughout the construction industry and beyond, Bellway’s commitment to building the highest standard of home remains paramount to our success. “Dave and Steve have demonstrated that consistently through this most challenging of periods. “The dedication of all our site managers and their teams is a vital part of Bellway retaining its fivestar status with the Home Builders Federation (HBF) for the last five years in succession. “We congratulate Dave and Steve and wish them the very best of luck for the Seal of Excellence stage of the awards later this year.”

JOB’S A GOOD ’UN: Site managers Dave Murnane, left, and Steve Chapman, centre, with construction director Nick Furner