These articles help you understand your financial needs and aspirations
The first quarter of 2025 has been anything but steady for global markets. With the arrival of President Donald Trump's new administration in the United States, economic tensions have surged worldwide. Global stock markets have been rattled as sweeping tariffs, intended to bolster the American economy, were introduced. While these measures may aim to stimulate domestic growth, on page 10, we consider their ripple effects that are reshaping global trade, inflation and investor sentiment.
Ten years of pension freedoms
Research reveals worrying trends among savers
New rules of Inheritance Tax on businesses and land
What families need to know and how to plan for the future
Is it time for a financial MOT?
Helping you secure a smoother ride towards a brighter future
Bridging the financial gap across generations
Why planning, talking and taking action now can secure your family’s future
Trump’s tariffs create turbulence in global markets
Remaining focused on established investment principles is essential
Have you lost track of your pension pots?
Step-by-step guide to help you reclaim your lost pensions
Talking to your children about investing
How to prepare the next generation for financial success
How to prepare for retirement
Insights for taking control of your future planning
Investing for your financial future
What savers need to know about UK pensions to make informed choices
How much is enough for your retirement?
The best way to foresee your future is to prepare for it now
Understanding fixed interest investing
Looking for a steady approach to building your portfolio?
The 'secret' to easing an Inheritance Tax burden
A practical solution to a challenge many families could face
Safeguarding investments in a volatile market
Planning for stability by diversifying your investment portfolio
Transferring wealth to the next generation
What to consider when planning your legacy
Planning for life’s most significant milestones
Understanding retirement cash flow modelling
Basic truths about investing
Invest smartly, build your future
What to consider when taking tax-free cash
Make a more informed decision about how best to utilise your pension savings
Is it time to maximise your savings and investments?
Unlocking the secrets of tax-efficient saving with ISAs
Generating an income from retirement savings
Planning for a comfortable, flexible and secure future
How can Millennials save for retirement?
Start early, stay consistent and make time and strategy work for you
Asset allocation
Getting the right blend of investment types in your portfolio
Mind the gap
Why you might need to rethink your retirement savings
Closing the gender gap in investing
Young women need to feel more confident about their financial futures
Like your car, your finances require consistent care and attention to keep running smoothly. Just as a regular service ensures your vehicle performs at its best and avoids costly breakdowns, a yearly financial check-up is vital to ensuring your money works as effectively as possible. On page 12, we look at why the beginning of 2025 offers an ideal opportunity to take stock of your financial health, setting the tone for a prosperous and secure year ahead.
Maximise your tax allowances before 5 April
Make the most of your financial situation before the deadline
Autumn Budget Statement 2024
How could the range of changes impact your wealth planning?
Financial resolutions to boost your wealth this year
Taking a proactive approach to clarify your current financial standing
ISA returns of the year
Making the most of your 2024/25 tax allowances
How to navigate the Capital Gains Tax changes
Ensure your hard-earned investments work efficiently for your future
Start 2025 with a New Year's wealth check
An ideal opportunity to take stock of your financial health
Taking the road to a comfortable retirement
Achieving this vision requires careful planning and preparation
Navigating estate planning amid changing IHT rules
Ensuring your loved ones are cared for takes proper planning
Planning for the future of your wealth
How to integrate emotional, financial and practical dimensions
Making the most of a lump sum windfall
Much will depend significantly on your goals, needs and long-term aspirations
Pension funds and the path to net zero
Survey pinpoints several barriers threatening pension funds' progress
Investing isn’t a one-size-fits-all approach
Why timing the market could be holding you back
Practical financial planning for busy mums
The road to robust financial health, even when you're juggling the demands of family life
How to boost your chances of early retirement
Maintaining a strong commitment to your long-term goals
Planning for your dream retirement
Whether that’s adventure, relaxation or simply a slower pace of life
Pensioners set for income boost, but watch out for the tax trap
Could you lose out on tax-free allowances for other income?
Financial planning in your 70s
Striking the balance between living comfortably and preparing for unpredictable eventualities
Financial planning for your children’s education
Education is one of the most significant and rewarding investments you can make for your child
From crisis to resilience
Building a solid financial plan
Understanding State Pension rights and inheritance
The topic goes beyond the basics – there are numerous layers to uncover
How to plan for your special wedding day
Alleviate financial stress and ensure you start off married life financially secure
Building a resilient investment portfolio
Smoothing returns and providing greater stability
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?
As we approach the end of the current tax year on 5 April 2024, it's an opportune moment to examine both your personal and business finances to ensure they are structured to optimise your tax efficiency. Despite the ongoing freeze on many tax rates and thresholds, numerous strategies remain for efficiently organising your financial matters.
Articles featured in this issue:
Planning for an early retirement
Living life to the fullest and accomplishing long-held dreams
Wealth accumulation
Valuable insights that can impact an investment strategy
Adjusting your pension plans
How could the normal minimum pension age change affect your plans?
What will your legacy look like?
Effective Inheritance Tax planning is a careful balancing act
Pre-year-end tax planning
Tax-saving actions to take before the deadline
Managing your finances as a couple
Discussing finances may feel uncomfortable, but it is crucial to maintain a healthy relationship
Harnessing the power of Green Pensions
One of our most potent tools in making substantial strides towards net zero
Protecting yourself from investment scams
If something sounds too good to be true, it probably is
Navigating through divorce
Safeguarding your future financial stability and preserving your wealth
The 'Bank of Family'
A £38 billion lifeline for modern parents
Young visionaries eye early retirement
The power of small changes can lead to a path to significant returns
Pension puzzle
Research highlights the gender disparity in financial engagement
The gift of giving
Distributing assets or cash without contributing to your estate's overall value for Inheritance Tax purposes
Jeopardising financial stability
Protecting you and your family’s financial future
The impact of disability on financial planning
Report highlights retirement savings must be inclusive for everyone
Health consciousness divide
Why prevention is better than cure
Postponing retirement
An increasingly growing trend in Britain
Unpredictability of financial climates
Strategic diversification of your investments can be your first line of defence
Life’s complicated. Getting life insurance shouldn’t be
Make sure your loved ones are looked after should the worst happen
Proactive retirement planning
A growing trend among mid-lifers prioritising their future financial stability
Age is not just a number
The impact of an increased lifespan on your retirement finances
The £26 billion lost pension maze
Unclaimed pensions could mean thousands of pounds added to your retirement fund
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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