Financial Planning for Microsoft Employees

With Microsoft transitioning its pension provider from Fidelity to LifeSight, now is the perfect time to review your existing pension investments. Ensuring your pension is aligned with your long-term goals is crucial, and at Humboldt Financial, we specialise in helping Microsoft employees navigate these changes seamlessly.

The problem & opportunity

Your position comes with several interesting financial planning implications, including:

  • Competitive salary
  • Multiple bonus types
  • Employee stock purchase plans
  • Stock awards
  • Matched pension funding
  • Multiple benefit options

You receive a comprehensive compensation package, yet many people in your position are too busy to fully explore how to maximise these benefits and avoid potential pitfalls.

Building your wealth efficiently requires making smart decisions and managing many moving parts. It can be a challenging juggling act, especially when you’re working so hard.

Ready to Improve Your Benefits Package?

Tax management is a serious priority. Left unchecked, it can be a major drag on building your wealth. It’s likely that tax is your biggest expense, so what are some of the strategies that can help you minimise the burden?

Please contact Independent Financial Adviser Oliver Canning if you’d like to arrange a video or face to face consultation.

Pension planning

Your pension is often the mosttax efficient potto invest money. For many Microsoft employees £1,000 pension contribution can costjust £480, due to tax relief. Optimising your pension contributions while ensuring you do not breach yourAnnual Allowance can make a huge difference to your growing net worth and financialfuture.

Financial independence

Retirement might not be your goal, but understanding how long you have to continue working foris incredibly powerful. Knowing when you’ll become financially independent (i.e. when work becomes optional) will give you confidence and clarity. This isn’t aboutretiring as soon as possible, it’s about having the option to continue working, withoutthe pressure, which often makes work a lot more enjoyable!

John West

Oliver Canning was excellent. He was very informative and made the information easy to understand. His professionalism was excellent to the point that he advised me to stay with the current pensions I had, no pushy selling. This was a breath of fresh air and showed that he has our best interests at heart. Definitely recommend Oliver.
Looking forward to our next catch up next year on status and next steps

Caroline Mills

I came to Humboldt via Unbiased and was introduced to Oliver to look into my retirement planning. Oliver clearly explained my options and was not pushy in anyway. I am not used to using a Financial Advisor and was concerned about the charges involved but Oliver explained the difference between my current pension funds and how they could be managed moving forward.

Ronald Starreveld

I had a fantastic experience working with Oliver from Humboldt Financials. He was extremely professional and never pushy, which made me feel comfortable throughout the entire process. Oliver took the time to thoroughly explain everything and offered personalised financial advice tailored to my specific needs. I highly recommend him for anyone looking for knowledgeable and trustworthy financial guidance!

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