Taking charge of your retirement
Empowering your future with greater pension freedom Planning for retirement is a crucial step in securing your financial stability for the years ahead. For those seeking greater involvement in how their pension savings are invested, a Self‑Invested Personal Pension (SIPP) can offer a flexible and innovative option.
Protect your life insurance payout from Inheritance Tax
An increasing number of estates are falling within the tax net every year An increasing number of estates are falling within the Inheritance Tax net each year, largely due to rising property prices and frozen tax thresholds. The Office for Budget Responsibility forecasts that HM Revenue & Customs (HMRC) will collect £8.7 billion in Inheritance […]
‘Unretiring’ is reshaping our understanding of later life
Has the financial reality of retirement fallen short of expectations? Amid rising living costs and market uncertainty, ‘unretiring’ is a growing trend. Research shows that one in six retirees (16%) have either returned to work (8%) or are strongly considering doing so (8%)[1]. While some return for personal fulfilment, 24% cite loneliness or social disconnection […]
Long-term investing
Geopolitical concerns and the importance of staying the course Geopolitical events, such as those in the Middle East, often introduce uncertainty into global markets, affecting energy prices, trade routes and investor sentiment. While these events can be unsettling, reacting impulsively may lead to missed opportunities and unnecessary losses.
How to approach risk as an investor
Understanding risk tolerance and the capacity to make smarter investment decisions From stocks to bonds and everything in between, every investment carries some degree of uncertainty. When we talk about risk, we generally refer to the possibility that your investments might not perform exactly as you expect. For some, this means watching an investment’s value […]
Downsizing in Guildford: A financial and lifestyle guide
Making the move with clarity, confidence, and long-term perspective For many homeowners in Guildford, downsizing is not about compromise. It is about choice. After years of building a home and a life locally, priorities often shift. Space that once felt essential can begin to feel burdensome, while flexibility, convenience, and lifestyle freedom take centre stage. […]
The financial guide to a fulfilling retirement lifestyle: Downsizing, travel and more
Blending financial security with lifestyle fulfilment under Price Ferguson’s guidance Retirement is no longer defined by a single moment or a single lifestyle. For many people, it marks the beginning of a more flexible phase of life, shaped by choice rather than routine. Decisions about where to live, how to spend time, and what experiences […]
Advanced IHT planning in the Surrey Hills: Business and agricultural relief
How reliefs can shape estate planning for business owners, landholders, and farming families For families living in the Surrey Hills, estate planning often extends beyond residential property and financial investments. Many estates include business interests, commercial assets, or agricultural land that has been held for generations. When structured correctly, these assets can benefit from powerful […]
Gifting and IHT: What Esher residents need to know
How lifetime gifts can reduce inheritance tax when planned properly For many families living in Esher, inheritance tax planning is closely linked to gifting. Rising property values, long-term asset growth, and relatively modest use of debt mean that estates can drift into inheritance tax territory without any obvious trigger. Gifting can be an effective way […]
Estate planning essentials for Farnham property owners
Protecting valuable homes, family intentions, and long-term financial outcomes For many homeowners in Farnham, property is the cornerstone of personal wealth. Long-term ownership, rising house prices, and relatively low levels of debt mean that a significant proportion of the estate is often tied up in the family home. While this can provide security during life, […]