Staying informed and maximising available tax benefits for a comfortable retirementLast November’s Autumn Budget 2025 Statement outlined a series of updates for pensioners and those saving for retirement. While a welcome increase to the State Pension was confirmed for...

Some Britons prioritise immediate pleasures over long-term financial securityRecent research indicates that many UK adults prioritise immediate pleasures over long-term financial security, with holidays and daily expenses often taking precedence over pension...

Why do some women experience poverty in their retirement?A comfortable retirement is a goal many of us strive for throughout our lives. However, for many women, this goal remains out of reach. New analysis reveals a stark truth: more than a third (36%) of women are...

Are young people’s expectations realistic?Recent research highlights a notable generational gap in retirement expectations, with over one in five young people believing they will need an annual income of more than £100,000 for a comfortable retirement[1]. This figure,...

How to safeguard your business, diversify investments and plan for a prosperous retirementFor many entrepreneurs, the business means everything, a commitment of time, money and passion. However, building a successful enterprise requires more than a great idea; it also...

Proactively managing your allowances can help you maximise your savings and investmentsTax is an unavoidable part of life for anyone earning above the UK Personal Allowance threshold. However, the government offers various tax allowances each year that can help you...

A fundamental aspect of prudent financial planningWhether you’re nearing retirement or seeking to boost your current income, building a portfolio that generates steady returns is a fundamental aspect of prudent financial planning. For most investors, the aim is to...

Why waiting for the ‘perfect’ moment in the market might cause you to miss valuable opportunitiesDeciding when to start investing can feel daunting. Many believe they must be an expert or have a large sum of money saved in advance. The truth is, the right moment to...

How to grow your savings beyond cash accountsRecent research shows a significant change in savings attitudes, with over half of UK Cash Individual Savings Account (ISA) holders willing to explore the investment market. For the 2025/26 tax year, this offers a notable...

Reducing your estate’s Inheritance Tax liability for your loved onesConsidering the later years of your life is an essential part of financial planning, especially when it involves how your assets will be distributed after you pass away. Many people think about...

The inevitable shift in the approach to intergenerational wealth transferPension savers intending to pass on their retirement funds to loved ones received unwelcome news following announcements in the 2024 Budget. The Chancellor revealed that pensions will soon be...

Time for a financial refresh for the New YearA new year often provides a perfect chance to review personal goals and update old habits. This year, consider expanding that review to include your personal finances. For many, managing their finances can seem daunting....

Impacts on living costs, mortgage, holiday funds, savings and investmentsTo understand the current economic climate, it is essential to assess the strength of the pound. You might have seen headlines about sterling falling against other currencies, particularly the US...

Navigating this requires careful planning to ensure you maximise your earningsRecent figures from HM Revenue & Customs (HMRC) reveal a startling trend: an increasing number of pensioners are caught in a punitive 60% tax trap[1]. In the 2024/25 tax year, 77,000...

Making sound financial decisions this decade is crucial to securing a comfortable future.For those in their 50s and beyond, investing can seem particularly intimidating. As retirement approaches, the timeframe for growing your money narrows, and priorities shift...

Frozen thresholds and new caps reshape the financial landscape for savers and investorsLast year’s Autumn Budget outlined several fiscal changes that will significantly influence personal and family wealth planning in the coming years. Understanding these reforms is...

Planning your inheritance to transfer wealth to the next generationPassing wealth to the next generation is a goal for many. Recent research shows that nearly half of us (47%) intend to leave a financial legacy, with a significant number planning to transfer assets...

How financial awareness can protect your hard-earned retirement savingsIn an era when job changes are common, millions of people in the UK risk losing touch with their hard-earned retirement savings. New research highlights a concerning gap in financial awareness,...

Why keeping your financial plan relevant is more important than everHave you set your New Year’s financial resolutions? The key is to make them specific and measurable. To help you get started, we have suggested some financial resolutions for 2026 to consider, all of...

Without a sufficient financial buffer, an unforeseen health issue could be catastrophicIn the current economic climate, financial stability seems more out of reach than ever for many households across the UK. Recent research reveals a significant gap between our...

Maximise your pension planning before the end of the 2025/26 tax yearAs the 2025/26 tax year ends on 5 April, now is the right time to review your pension arrangements and ensure you’re maximising all available allowances. Taking proactive steps in pension planning...