These articles help you understand your financial needs and aspirations
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
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?
Welcome to our latest issue. Nobody wants to consider what would happen if they became too ill to support their family financially. Financial protection is essential to creating a secure future for your loved ones, but understanding what cover you may need can be confusing. On page 10, we discuss whether you have considered the implications financially if you or someone in your family were unable to earn money, became ill or were to die prematurely. It’s not something we like to think about, but if you have left regular employment and are now either retired or have become self-employed, then any previous protection you received from an employer becomes your responsibility.
Articles featured in this issue:
Retirement matters
Making the right decisions today could boost your retirement pot and make the future a whole lot brighter
Caring for grandchildren
How it can help you boost your State Pension
Britain’s biggest pension taxpayers
How to make sure you avoid becoming one
Placing assets into a Trust
Ensuring your legacy is managed according to your wishes long into the future
Financial protection
Ensuring a secure future for you and your loved ones
Ways to reduce a Capital Gains Tax liability
How will you ensure more of your money will go towards your future?
Investing a lump sum
Received an inheritance, windfall, or proceeds from a business or property sale? But what next?
How much do I need to save for retirement?
Ensure your money works effectively to enjoy retirement on your own terms
The importance of drafting a Will
Protect your family from uncertainty and potential conflicts
Quarter of retirees financially struggling despite paying off mortgage
Urgent need for effective financial strategies and support systems to ensure a dignified and secure retirement
Financial planning conversations you need to have
Protecting your legacy and boosting your children’s financial security
Young women and retirement
How much income will you need for a comfortable retirement?
State Pension awareness
What payments can you expect to receive from the government later in life?
Changing retirement trends
Why the concept of a 'hard stop' retirement is becoming less prevalent
Learning from the retired
Balancing financial security with mental wellbeing
Retirement experience among over-55s
Money, or lack thereof, a significant driver of overall retirement satisfaction
Building financial confidence in children
Sharing values and encouraging children to formulate their own
Many Britons unaware of incorrect tax codes
What you need to know to avoid discrepancies and potential financial strain
Retirees supporting family and friends financially
Nearly 40% support grown-up children, a spouse or partner, a parent, an elderly relative or a friend
Downsizing in later life
Research highlights what people consider before making the decision
Minimise Inheritance Tax
Allow your loved ones to benefit more from your accumulated wealth
Only two-fifths of Britons know how to boost their pension
How much money will you have for retirement, where is it invested and what are you being charged?
Disclaimer: Any advice provided to you by City Capital Financial Planning LLP (CCFP) will be strictly an individual arrangement between yourself and CCFP. Refinitiv will not be liable for that advice under any circumstance. It is up to you as an individual to be satisfied that the advice you receive is appropriate for you given your particular circumstances.
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