Long-term care – how to plan for your future
Securing your financial wellbeing in later life starts with early preparation Thinking about care in your later years may seem premature, especially if you are currently fit and healthy. However, with average life expectancy in the UK continuing to rise, the likelihood of needing some form of care support increases significantly. It is estimated that […]
The self-employed pension gap
Are you sleepwalking into a crisis? Some freelancers are neglecting their financial future, according to new research: nearly two-thirds of self-employed and freelancers are failing to save enough for retirement[1]. The findings reveal that a significant proportion of this workforce is not prioritising their financial future, leaving them vulnerable in later life.
Key steps to take before the tax year ends
Why you should act now: Have you used your allowances before 5 April 2026? With the 2025/26 tax year-end fast approaching, now is the time to act. Waiting until the last minute could mean missing out on valuable allowances that can boost your finances and save you money.
Is your income protected?
Half of UK workers see income protection as vital, yet only 27% have it Recent research reveals a striking insight. 50% of the UK’s working population believes they would feel more financially resilient with income protection insurance[1]. This type of cover is specifically designed to provide financial support if you’re unable to work due to […]
Living with uncertainty
How to navigate financial unpredictability The world feels more uncertain than ever, with 83% of UK adults agreeing that life has become less predictable, according to research[1]. This growing unease is reshaping how people view their finances, with six in ten (59%) feeling less confident about their financial future because of recent changes in the […]
Smart gifting
Tax-free ways to support your children and grandchildren Passing wealth to the next generation is a primary concern for many families, yet the complexities of Inheritance Tax (IHT) often cause unnecessary anxiety. With the headline rate of IHT set at 40%, careful planning is essential to ensure your children benefit as much as possible from […]
Show me the money
102.3 billion withdrawn flexibly from pension pots since 2015 Seven in ten people who withdrew funds from their pensions over the last decade were under 65, according to recent findings from the Department for Work and Pensions (DWP). The data highlights concerns about accessing retirement pots before reaching the State Pension age.
Evolution of bonds
Increasing awareness of intergenerational wealth transfer A significant proportion of people (47%) plan to pass on their wealth to future generations, with over a third (38%) intending to transfer assets directly to their children, according to a new report[1]. However, many are unaware of how to do this in a tax-efficient way.
Unlocking financial freedom
Save, invest and grow your wealth for a secure future A Self-Invested Personal Pension (SIPP) is a type of personal pension that provides you with greater control over how and where your retirement savings are invested. While it operates similarly to a standard personal pension by allowing you to save, invest and grow your wealth, […]
Is it time to invest in your grandchildren’s future?
Protect their future with strategic planning to leave a lasting legacy Investing for your grandchildren isn’t just about giving wealth; it’s about creating opportunities and stability for their futures. Whether it helps fund further education, a home deposit or even retirement, strategic planning enables you to leave a lasting legacy.