Making the right preparation for future generationsFinancial planning can be a daunting and uncomfortable conversation for many, but thankfully attitudes towards talking about money are changing. Wealth succession should be an integral part of your financial plan as...

Over a third of OVER-55s think they will work beyond their state pension ageWe are witnessing a surge in the number of people giving retirement a second thought due to inflation rates and the cost of living crisis. Not only are more individuals looking to work beyond...

How to protect your pension income against inflationary pressuresFor anyone feeling the effects of rising inflation rates, it’s important to ensure that your retirement fund isn’t significantly impacted. While this can be challenging in such an uncertain economic...

How professional financial advice benefits both you and your familyWhen it comes to managing your finances, the wealth of resources now available can make it easy to try and go it alone. However, obtaining the right advice from a qualified professional financial...

7 out of 10 adults are puzzled by financial matters lingoBeing informed about financial matters is essential to making sound decisions and staying in control of your money. Unfortunately, many people feel confused by the jargon used in financial discussions and...

More investors align investments with personal valuesOver the past few decades, there has been a growing interest and awareness in investing in companies that take into account environmental, social and governance (ESG) factors. This type of investing – also known as...

How to take less risk when investingThere are a number of strategies that individual investors can use to take less risk when investing. Diversification is one approach that can help to mitigate the effects of volatility in any one particular asset class....

Could market volatility and inflation mean you have to delay retirement?It’s never too early to start planning for retirement. But if you’re nearing retirement, it’s especially important to have a plan in place in case market volatility or inflation impacts your...

Cost of living crisis drives early inheritance giftingThe rising cost of living is cutting into even the most resilient saving pots and salaries, forcing many to re-consider their financial priorities, whatever their generation or income. Those millennials now turning...

More people set to dip into emergency fundsHaving money set aside can help to provide protection against any abrupt financial changes. A new report has identified one in four working households with savings (28%) have started dipping into them to meet rising living...

Considering the rule of seven when making financial giftsYou’ve worked to build up your wealth. But now it’s time to make plans so your loved ones can get the most from the estate you intend to leave behind. If you think you might be affected by Inheritance Tax, it...

Four in five looking to change jobs demand green pensionsWhen you first start paying into your employer’s pension, your contributions, along with employer contributions and tax relief, will be invested through a default fund. You will usually have several fund options...

What is the average UK retirement income?Thinking about the amount of money you need to retire can be daunting, but it’s important to have a savings target in mind to fit your desired lifestyle in retirement, that you can work towards. New analysis of government...

Savers could miss out on thousands of pounds in retirementAs the cost of living continues to soar, with inflation reaching a 40-year high, the impact on household finances is taking its toll. But it is essential to try to maintain a savings habit even in the current...

How scammers are getting more convincingAround half of UK adults (51%) have or know someone who has received a suspicious communication in the last 12 months, according to new research[1]. This equates to 27 million people across the UK. Most of these cases can be...

Auto-enrolment: celebrating a decade that has encouraged a culture of savingSince it was introduced ten years ago, auto-enrolment has revolutionised pension saving for millions of people in the UK, encouraging a culture of saving for the long term. It’s been a...

Millions of retirees help out in cost of living crisisThe rise in the cost of living is affecting millions of people. A third of young adults (18-34) and families with young children are struggling financially. Many are turning to family and friends for help with...

Mistakes to avoid when you’re aiming to build your pension potMany people are feeling the pressure on their finances at the moment due to the backdrop of rising inflation and the cost of living soaring. In these circumstances, it can be difficult to think about your...

More over-65s are still working than six years agoMore people in the UK aged between 65 and 74 are still working compared to six years ago, new research shows[1]. The findings show there’s a marked increase in the number of people over 65 who remain in the workforce...

Bonds can play a key part in building an investment portfolioUK government bonds, also known as gilts, are debt securities issued by the UK government. They are used to finance the government’s borrowing requirements and are often seen as a safe haven asset by...

Minimising the impact on your personal financesIf you’re a higher rate taxpayer, the freeze on the Income Tax threshold will have meant an increase in your tax bill. The reason for the increase stems from the Chancellor’s decision in April 2021 to freeze the higher...