The mornings are getting colder and the evenings darker, which can only mean one thing: Christmas is just around the corner!

As we look towards the end of the year, now is a good time to plan ahead in regards to your finances, especially considering the chaos of the festive period. In the meantime, we're delighted to bring you the latest edition of Your Financial Wellbeing Newsletter for an update of everything going on at McCrea. 

In this month’s edition, we look at the recent Autumn Budget Statement with the government set to raise taxes by £40billion through various changes, we discuss the importance of planning ahead for the tax year end to ensure that you don’t miss out on any allowances you may have, and we look ahead to our next charity fundraising event!

The main body of the blog analyses the cost of early withdrawals from your pension and the impact that this could have on your retirement plan, while we warn you about the possibility that you may have been underpaid on your State Pension.

We round off the blog by congratulating the most recent winner of the Partick Thistle McCrea Financial Services Player of the Month award, and give you the chance to win tickets to Glasgow Warriors' opening Investec Champions Cup match vs Sale Sharks in December!

For all the above and more, you can have a read of the full newsletter here.