Why a junior pension could be a smart family move
For many families, passing wealth down to future generations has long been an important part of financial planning. However, with significant changes to Inheritance Tax (IHT) rules scheduled to take effect from April 2027, parents and grandparents across the UK are increasingly reviewing how to protect family wealth and create lasting financial security for younger relatives.
A new era for Individual Savings Account planning
Are you making the most of your options in a changing tax landscape?
For many years, pensions have been regarded as one of the most tax-efficient ways to save for retirement and to pass wealth to future generations. However, significant changes on the horizon could prompt many savers to rethink how they balance pensions with Individual Savings Accounts (ISAs).
Protecting your income when life takes an unexpected turn
A solution that can play an important role in safeguarding your financial wellbeing
Imagine waking up tomorrow unable to work because of an illness or injury. While many people focus on protecting their home, car or possessions, few consider what would happen if their income suddenly stopped. Yet for most households, regular earnings underpin everyday living costs, mortgage repayments, bills and future financial plans.
Life events that trigger a financial review
Understanding your options to make informed decisions
Life rarely stands still. Major milestones, unexpected changes and new opportunities can significantly affect your financial wellbeing. While many people review their finances only when a problem arises, a proactive approach can help ensure your plans remain aligned with your circumstances and long-term goals.
Over £31.1 billion of pension assets held in lost pots
Why bringing your pensions together could simplify your retirement
In today’s working world, it is increasingly common for people to change jobs multiple times throughout their careers. While each new role can bring fresh opportunities, it can also leave behind a collection of workplace pensions with different providers. Research shows that there are nearly 3.3 million lost pension pots in the UK, worth over £31.1 billion in assets[1].