The impact of pension lump sums and their long-term implications New research reveals a concerning trend among those approaching retirement[1]. One in five individuals (21%) who accessed a cash lump sum from their pension pot did so as [...]
Preparing for the unforeseen with assurance Establishing an emergency fund is merely the starting point. Once you’ve achieved this, shifting your focus to long-term savings goals can help you grow your wealth and pursue future aspirations. A long-term [...]
Understanding the options that could alleviate this burden and help you feel more in control Planning for later-life care is a sensitive and profoundly personal matter that many individuals prefer to avoid. However, life’s unpredictability means these situations [...]
The optimal time to invest is shaped by your personal goals and circumstances Investing your money can feel like navigating uncharted waters, especially when you’re unsure about market trends. A common sentiment among new investors is, ‘I think [...]
Especially when your primary aspiration is to pass on as much wealth as possible to loved ones Inheritance Tax (IHT) planning is essential for managing your estate effectively and ensuring the wellbeing of your loved ones. Changes highlighted [...]
Understanding how SIPPs can help you maximise your retirement investments When planning for retirement, utilising a pension is one of the most effective ways to secure your financial future. The generous tax relief offered on pension contributions makes [...]
How to maintain your quality of life and pursue the activities and experiences you value most Planning for retirement is one of the most important financial steps you’ll take in your lifetime. With advances in healthcare and lifestyle, [...]
Achieving this vision requires careful planning and preparation We all dream of a comfortable retirement, free from financial worries and full of opportunities to enjoy life. However, achieving this vision requires careful planning and preparation. While life’s uncertainties, [...]
The road to robust financial health, even when you’re juggling the demands of family life Motherhood comes with countless responsibilities, so it’s no surprise that long-term financial planning often gets pushed to the bottom of the list. Managing [...]
How to integrate emotional, financial and practical dimensions When it comes to your legacy, wealth transfer planning extends beyond the numbers. It’s not just about crafting a strategy for minimising taxes – although that remains vital. Today, successful [...]
Survey pinpoints several barriers threatening pension funds’ progress Sixty-five per cent of pension funds recently surveyed by the Pensions and Lifetime Savings Association (PLSA) have established a commitment to achieving net zero carbon emissions. Progress appears on the [...]
Make the most of your financial situation before the deadline The end of the tax year is fast approaching, ending on 5 April 2025. This is your opportunity to review your annual allowances and assess how best to [...]
