Your pre-retirement financial checklist for Farnham residents
A practical guide to preparing your finances before retirement begins For many people living in Farnham, retirement does not arrive suddenly. Instead, it tends to approach gradually, alongside changing work patterns, evolving priorities, and a growing awareness that the financial decisions made in the final working years often shape the quality of life that follows. […]
Navigating pension drawdown rules in Guildford: A 2026 guide
A practical guide to using flexible drawdown rules to support long-term retirement income At Price Ferguson, we work with individuals and families across Guildford and the wider Surrey area who are approaching retirement or already drawing income from their pensions. One of the most common challenges people face at this stage is understanding how pension […]
Maximising your wealth: Tax-efficient retirement income in Guildford
A practical guide to drawing retirement income efficiently while protecting your long-term wealth At Price Ferguson, we work with individuals and families across Guildford and the surrounding Surrey area who are approaching retirement or already drawing income. While every retirement looks different, one theme is consistent. People want clarity, confidence, and control over how their […]
Are you holding too much in cash?
Falling inflation and rate cuts could change how savers think about their money Cash is often regarded as a safe haven in personal finance. It’s accessible and protected from stock market fluctuations, and rising interest rates have made savings accounts more attractive. However, while a cash buffer offers security, holding too much can quietly diminish […]
Pensions to fall under Inheritance Tax rules from April 2027
How upcoming changes could affect estate valuations and beneficiary payouts In the previous 2024 Autumn Budget, the Chancellor announced that the Inheritance Tax (IHT) thresholds, which are the amount you can pass on when you die before IHT is due, will remain unchanged until 2030. However, from 6 April 2027, pensions will no longer be […]
VAT on private school fees: the increasing cost of education
How new tax rules are reshaping family finances and long-term planning From 1 January 2025, private schools across the UK were required to apply 20% VAT to tuition and boarding fees. The change represents a significant shift in education funding and has placed substantial financial pressure on families with children in independent schools.
Five ways to maximise tax year-end planning opportunities 2025/26
Smart financial moves to consider before the tax year ends on 5 April 2026 As the 2025/26 tax year-end approaches on 5 April 2026, now is the time to review your finances to ensure you’ve maximised all available allowances and reliefs.
When is the right time to invest?
Why market timing rarely works – and why long‑term consistency matters Some people delay investing because they’re waiting for “the right moment.” The idea of buying when prices are low and selling when they’re high seems sensible in theory, but in practice, it’s very difficult to perform. Even experienced professionals struggle to predict short-term market […]
Almost half of UK adults are unaware of their pension savings
New data uncovers a concerning gap in pension awareness and confidence across all generations In the UK, nearly half of working-age adults cannot estimate the total value of their pension savings. This uncertainty suggests that many lack a clear understanding of their retirement readiness and may be missing opportunities to plan effectively for the future.
The power of dividends
How can they assist investors in expanding their portfolios? Dividends have long been a vital part of the investment process. For many investors, dividends help minimise portfolio volatility, especially during uncertain markets, and they can indicate management’s confidence in a company’s financial health.