Inheritance Tax gift rule many families may be overlooking
72% of UK adults unaware gifts from surplus income are IHT-exempt For many families, gifting money to children or grandchildren is simply a way to help with everyday costs or to give them a financial head start. However, new research suggests that almost three quarters (72%) of UK adults do not realise that regular gifts […]
What will retirement look like for you?
Practical ideas for creating a purposeful and enjoyable next chapter Retirement is one of life’s major milestones, bringing greater freedom but also a significant change in routine. After decades of working, it can take time to adjust to having fewer commitments and more choice over how you spend each day.
The 15 million workers heading for a retirement disaster
Future pensioners risk being poorer than today’s retirees unless action is taken Retirement may feel like a distant concern for many working people, but a stark new warning suggests millions of Britons could be heading towards a financial cliff edge in later life.
Offshore Bonds: A tax-efficient route to passing on wealth
The wealth transfer strategy more families are exploring As changes to Inheritance Tax (IHT) and Capital Gains Tax (CGT) rules take effect, many investors may be seeking alternative ways to protect their wealth and pass more of it on to future generations. With tax allowances becoming less generous and estate-planning challenges mounting, offshore bonds are […]
Are you unknowingly paying an effective 60% tax rate?
The hidden tax trap that could be costing higher earners thousands With wages rising and frozen tax thresholds pushing more people into higher tax bands, many UK professionals are finding that earning more does not always mean taking home more. In fact, individuals earning £110,000 a year can face surprisingly high tax bills and may […]
Beat the 2027 Inheritance Tax changes
Why a junior pension could be a smart family move For many families, passing wealth down to future generations has long been an important part of financial planning. However, with significant changes to Inheritance Tax (IHT) rules scheduled to take effect from April 2027, parents and grandparents across the UK are increasingly reviewing how to […]
A new era for Individual Savings Account planning
Are you making the most of your options in a changing tax landscape? For many years, pensions have been regarded as one of the most tax-efficient ways to save for retirement and to pass wealth to future generations. However, significant changes on the horizon could prompt many savers to rethink how they balance pensions with […]
Protecting your income when life takes an unexpected turn
A solution that can play an important role in safeguarding your financial wellbeing Imagine waking up tomorrow unable to work because of an illness or injury. While many people focus on protecting their home, car or possessions, few consider what would happen if their income suddenly stopped. Yet for most households, regular earnings underpin everyday […]
Life events that trigger a financial review
Understanding your options to make informed decisions Life rarely stands still. Major milestones, unexpected changes and new opportunities can significantly affect your financial wellbeing. While many people review their finances only when a problem arises, a proactive approach can help ensure your plans remain aligned with your circumstances and long-term goals.
Over £31.1 billion of pension assets held in lost pots
Why bringing your pensions together could simplify your retirement In today’s working world, it is increasingly common for people to change jobs multiple times throughout their careers. While each new role can bring fresh opportunities, it can also leave behind a collection of workplace pensions with different providers. Research shows that there are nearly 3.3 […]