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These articles help you understand your financial needs and aspirations 

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  • Tax Planning

Who will inherit your pension? Find out now!

Welcome to our latest issue. Inside, we explore a new study that reveals a startling insight. As many as one in six (15%) individuals with a partner are unclear about who will receive their pension savings if they pass away before accessing them[1]. Even more concerning, this figure rises to nearly one in five (18%) among the Silent Generation (aged 79 and older). Such statistics highlight the urgent need for improved awareness and planning regarding pension inheritance. This lack of clarity can lead to legal complications and emotional distress for loved ones when the time comes to distribute these assets. 

How gut instinct is guiding financial futures

A new report reveals that millions rely on guesswork when planning for retirement

 

Why you should look to maximise your savings potential 

Making the most of your new tax allowances for the 2025/26 year

 

Navigate market uncertainty and build long-term wealth

A strategy tailored to your needs is essential for weathering market uncertainty

 

Who will inherit your pension? Find out now!

Understanding the importance of nominating a beneficiary

 

Thinking of retiring overseas?

Understanding the impact of a frozen State Pension on your retirement income

 

Getting your financial plan in order

Setting the course for a secure future

 

Two-thirds of UK adults are concerned about affording care in later life

Rising costs, independence and the necessity for proactive financial planning

 

Plan ahead to safeguard more of your wealth

Secure your wealth for retirement and future generations

 

Are annuities included in your retirement income plans?

Ensuring financial stability in your golden years

 

Preparing for retirement: What you need to know

How to navigate your transition to life after work

 

Helping your elderly parents face their financial needs

Remaining focused on established investment principles is essential

 

Planning a wealthy retirement

Secure your future with smart financial choices

 

Principles of successful investing

Building wealth in an uncertain world

 

What is the right mix of investments for you?

Finding the right balance for your financial goals is key

 

Setting investment goals and timescales

How to clarify your path to financial success

 

Saving vs investing

Understanding your financial options now and for the future

 

How much do you need to retire comfortably in 2025?

Start planning now to secure your financial future

 

Why six in ten Millennials are struggling to save for retirement

The financial balancing act Millennials face

 

Reassessing strategies to minimise Inheritance Tax liabilities

What crucial transformation is poised to reshape estate planning?

 

Financial security remains a concern for retirees in the UK

Only 48% of mid-retirees are confident their private pension will last a lifetime

 

Financial vulnerability post-divorce

The financial divide women face after separation

 

Growing trend among silver splitters

How property wealth enables a clean break for the over-50s

 

Beyond the excitement of wedding bells

Why financial and legal matters matter before ‘I do’

 

Unlocking greater financial efficiency 

An offshore bond provides a tax-efficient wrapper issued outside UK jurisdiction

Guide to the Spring Statement 2025

The Chancellor, Rachel Reeves, delivered her Spring Statement 2025 on Wednesday 26 March. Keeping to her promise of one fiscal event per year, she made no new tax announcements. Instead, she focused on measures to boost housebuilding and defence spending while making substantial welfare cuts. 

 

The Office for Budget Responsibility (OBR) has lowered the UK's 2025 growth forecast from 2% to 1%, but it expects improved growth in the years leading up to 2029. Reeves acknowledged the challenges, stating that achieving economic growth will require time, tough decisions and persistent effort. However, she mentioned that people would be 'on average over £500 a year better off' under a Labour government – a figure she claimed the OBR has confirmed.

 

Labour's welfare cuts are expected to save £4.8 billion, with reductions deeper than initially anticipated. Day-to-day spending remains safeguarded, except for the aid budget. Defence spending is set to increase by £2.2 billion next year, aiming for 2.5% of GDP in the future. Due to Labour's planning reforms, housebuilding is projected to reach its highest level in 40 years.

Autumn Budget Statement 2024 - What it Could Mean For Your Finances

Welcome to our latest issue. On 30 October, Chancellor of the Exchequer Rachel Reeves will deliver the Autumn Budget Statement 2024. It will be a critical indicator of the government's approach to managing the economy, aiming to foster an environment conducive to sustainable growth. The outcomes of this Autumn Budget will have far-reaching implications, potentially influencing everything from tax rates and public services to business investment and consumer confidence. As such, it is a pivotal moment that will shape the economic landscape in the months and years ahead. On page 10, we look at what it could mean for your finances.

Could you have been underpaid the State Pension?

HMRC estimates that affected women could be owed an average of £5,000 each

 

Pension scams on the rise

Protect your savings! 7.3 million UK adults encountered an attempted scam in the past year

 

Navigating the complexities of inheritance

Should you consider estate planning and gifting for future generations?

 

Mastering financial planning

Essential tips for mothers balancing family and finances

 

Autumn Budget Statement 2024

What it could mean for your finances

 

Time to revisit your retirement plan?

Helping you feel more prepared for this stage of your life

 

The middle-aged squeeze

Juggling careers, family care and financial pressure amid rising costs and wealth transfers

 

The cost of early withdrawal from your pension

How retirees are impacting their financial future by accessing pension pots too soon

 

Rising demand for health cover

Grappling with a workforce sickness epidemic and long NHS waiting times

 

Building wealth and achieving financial goals

Aligning investments with risk tolerance and capacity

 

The future of retirement

Experiences of the past and potential future scenarios

 

The Great Unretirement

Contemplating a return to work after a significant absence or considering a phased return?

 

Sandwich generation

Two-thirds of people in the UK will care for a loved one at some point

 

Take your pension to the max

Do you have potential shortfalls and need to address these gaps?

 

Empowered savers

How to make future aspirations more attainable and less stressful

 

Shaping a sustainable future

The imperative of collective action and responsible investment

 

New study uncovers financial vulnerability in five million UK households

Delayed life milestones and lack of planning pose significant risks

 

Redundancy and your pension

Understanding your workplace pension options to navigate your next steps confidently

 

Have you secured your legacy?

The vital role of Wills in estate planning

 

Should you use your pension lump sum to pay off your mortgage?

Essential key considerations and potential pitfalls you need to know

 

The retirement gap

Why UK retirees are working seven years longer than planned

 

The rise of remote work and moving abroad

Becoming a UK expat can mark the start of an exciting chapter, but what about your pension?

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